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All Journal International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Accounting Progress
Dwi Arseto, Dedy
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Religion Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Journal : El-Mal: Jurnal Kajian Ekonomi

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Model dan Strategi Permodalan Bagi Petani Berbasis E-commerce Dalam Menghindari Ketergantungan Pada Tengkulak dan Meningkatkan Kesejahteraan Petani Dwi arseto, Dedy; Suci Etri Jayanti; Fonaha Hulu
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 11 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i11.9791

Abstract

This research developed a community-based e-commerce model using a modified Research and Development (R&D) approach through Participatory Action Research (PAR). This model combines two main functions: (i) providing more inclusive and transparent access to digital-based micro-capital, and (ii) marketing agricultural products directly to consumers or modern markets without going through middlemen. Key features include simple cash flow recording, capital requirement simulations, and real-time market price information. Field trials through focus group discussions (FGDs) and training demonstrated significant improvements in farmers' managerial skills: financial record-keeping practices increased from 28% to 74%, while 61% of farmers felt more flexible in determining the selling price of their crops. The results of this study confirm that farmer welfare cannot be measured solely by increased productivity but is also determined by equitable access to capital, efficient distribution of produce, and financial and digital literacy. Practically, this model can be an alternative strategy to break dependence on middlemen, increase farmer independence, and encourage more inclusive and sustainable rural agricultural development.
Co-Authors Anggaraini, Heni Fonaha Hulu Hutagalung, Hermanto Suci Etri Jayanti