Dampak akses kredit terhadap efisiensi dan pendapatan usaha tani padi di Kabupaten Pandeglang, Provinsi Banten
The impact of access to credit on rice farming efficiency and income in Pandeglang Regency, Banten Province
DOI:
https://doi.org/10.21082/akp.v24n1.2026.31-44Keywords:
agricultural credit, technical efficiency, farmer income, agricultural financing, rice farmingAbstract
Population growth continues to increase food demand, while rice land area and production in Indonesia are declining. This highlights the need to improve agricultural performance through greater efficiency and better access to finance. Compared with previous studies, this study identifies the causal effects of credit access on the efficiency and income of rice farmers facing structural constraints and high economic vulnerability. The study analyzes production scale, technical efficiency, and the effects of credit access on the efficiency and income of rice farmers in Panimbang Subdistrict, Pandeglang Regency, Banten Province. Cross-sectional data were collected from 130 rice farmers using multistage random sampling, comprising 65 credit recipients and 65 non-credit farmers. Technical efficiency was estimated using Stochastic Frontier Analysis with a Cobb–Douglas production function, efficiency determinants were analyzed using a Tobit regression model, and income effects were examined using Propensity Score Matching. Results indicate that rice farming operates near constant returns to scale. Credit recipients achieved higher technical efficiency (0.98) than non-credit farmers (0.95). Credit access, farmer age, and farmer group membership significantly improved technical efficiency, while Propensity Score Matching confirmed that higher farm income reflected the causal effect of credit access after controlling for farmer characteristics. These findings highlight the importance of expanding agricultural credit, strengthening farmer institutions, and improving coordination among local governments, financial institutions, and extension services to enhance rice farming productivity.
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