Haryanto Tri, Wardana Wahyu Wisnu, Jamil Iqram Ramadhan, Brintanti Annisaa Rizky Dwi, Ibrahim Kabiru Hannafi
Department of Economics, Faculty of Economics and Business, Universitas Airlangga, Indonesia.
Research Institute of Socio-Economic Development (RISED) Surabaya, Indonesia.
Heliyon. 2023 Sep 9;9(9):e19720. doi: 10.1016/j.heliyon.2023.e19720. eCollection 2023 Sep.
Access to credit is crucial to improve farm performance as it allows farmers to procure inputs and technology. However, on the empirical front, evidence of the impact of agricultural credit access remains scanty. This study examines how access to credit from formal and informal sources influences the productivity and technical efficiency of maize farming in ten major maize-producing provinces in Indonesia. Secondary Food Crops Survey data by Statistics Indonesia were employed and analyzed using a quasi-experimental approach, i.e., the propensity score matching (PSM). The estimation shows that agricultural credit access improves farm performance. In fact, the ability to obtain credit from institutions increased productivity and technical efficiency more effectively than from informal sources. This study suggests that agricultural credit access remains relevant in Indonesia and needs to be improved continuously.
获得信贷对于提高农业生产绩效至关重要，因为这使农民能够购买投入品和技术。然而，在实证方面，关于获得农业信贷影响的证据仍然很少。本研究考察了从正规和非正规渠道获得信贷如何影响印度尼西亚十个主要玉米生产省份的玉米种植生产率和技术效率。使用了印度尼西亚统计局的二级粮食作物调查数据，并采用准实验方法，即倾向得分匹配（PSM）进行分析。估计结果表明，获得农业信贷可提高农业生产绩效。事实上，从机构获得信贷的能力比从非正规渠道更有效地提高了生产率和技术效率。本研究表明，获得农业信贷在印度尼西亚仍然具有重要意义，需要不断加以改善。
