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All Journal Jurnal Ilmiah Manajemen Kesatuan International Journal of Social and Education (INJOSEDU)
Riantin Hikmah Widi
Universitas Siliwangi, Indonesia
Economics, Econometrics & Finance Social Sciences

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ORIENTATION AND ENTREPRENEURIAL BEHAVIOR OF URBAN AGRICULTURAL ACTORS IN TASIKMALAYA Riantin Hikmah Widi
INTERNATIONAL JOURNAL OF SOCIAL AND EDUCATION Vol. 1 No. 4 (2024): July
Publisher : Pondok Pesantren Baitul Quran

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Abstract

Urban agriculture is an activity that has a dual role and function in urban life, where urban agriculture is not only related to reducing food insecurity which has an impact on public health, urban poverty and improving urban environmental management. Entrepreneurial behavior is very likely to be identified among conventional or semi-commercial farmers. Several entrepreneurial skills are needed for companies that are heavily connected to the market, which requires understanding of the market, human resource management and accurate information management. Entrepreneurial behavior can be seen from another perspective, namely where a farmer takes into account economic risks in their business, is aware of business uncertainty due to climate and market changes, aims to maximize business profits by expanding business activities, is always oriented towards business growth and always pursues opportunities. there for business growth. In general, farmers in Tasikmalaya are semi-commercial farmers, they still run their farming conventionally, are income-oriented, carry out production activities according to the resources they have, and have not adapted to market needs. Farmers collaborate with other mango farmers in the production aspect, but this has not been done in terms of the market.
Innovative Agricultural Financing Models to Enhance Farmers’ Access to Sustainable Credit and Investment Riantin Hikmah Widi; Agus Suprapto; Ellyta
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3387

Abstract

Farmers’ access to sustainable finance remains a persistent structural barrier to agribusiness development in many developing countries. In Indonesia, conventional credit schemes often fail to align with the seasonal nature and risk profile of agriculture, limiting productivity and financial inclusion among smallholder farmers. This study aims to evaluate innovative financing models that can improve access to credit and sustainable investment in three agrarian regions: Kulon Progo, Jember, and Tanah Datar. Using a qualitative multiple case study approach, the research examines the design and implementation of value chain financing, blended finance mechanisms, and digital lending platforms within varying local agricultural contexts. The findings reveal that value chain financing in Kulon Progo significantly reduced non-performing loan rates to 1.2%; digital lending in Jember reached over 3,200 young farmers; and blended finance in Tanah Datar contributed to a 26% increase in household income. These results highlight the importance of coordination among agribusiness actors, financial institutions, and enabling policy frameworks. The study contributes practical insights for policymakers by identifying key success factors such as adaptive regulation, improved digital infrastructure, and institutional partnerships needed to scale inclusive financing models and enhance the resilience of Indonesia’s smallholder farmers.
Co-Authors agus suprapto Ellyta