DETERMINAN INTENSI PETANI PADI DI KECAMATAN SINGARAN PATI UNTUK MENGGUNAKAN KREDIT USAHATANI DARI LEMBAGA KEUANGAN SYARIAH

Rizky Dwi Amalia (Program Studi Agribisnis, Fakultas Pertanian, Universitas Bengkulu)
M. Zulkarnain Yuliarso (Universitas Bengkulu, Fakultas Pertanian, Program Studi Agribisnis)
Netta Agusti (Program Studi Agribisnis, Fakultas Pertanian, Universitas Bengkulu)
Nyoman Ngurah Arya (Pusat Riset Ekonomi Perilaku dan Sirkuler, Badan Riset dan Inovasi Nasional)

Innofarm Jurnal Inovasi Pertanian
Vol 28 No 2 (2026): JURNAL INNOFARM : Jurnal Inovasi Petanian

This study aims to analyze the intentions and determinants of rice farmers’ intentions to use agricultural credit from Islamic financial institutions in Singaran Pati Subdistrict, Bengkulu City. The study was conducted on 75 farmers selected as a sample using the Slovin formula. The data obtained were then analyzed using descriptive statistics and multiple linear regression. The results indicate that farmers’ intentions fall into the moderate category (52%), suggesting a desire to use credit from Islamic financial institutions, though not in the immediate future. Based on multiple linear regression analysis, the variables of emotional readiness, preparedness, family support, farmer group support, experience using credit, agricultural capital, and land area significantly influence intention. Meanwhile, knowledge and support from friends did not significantly influence intention. In conclusion, farmers’ intention falls into the moderate category and is influenced by feelings, readiness, family support, farmer group support, experience using credit, farm capital, and land area.