Journal of Contemporary Issues in Business and Government

Abstract

Famers are facing a credit constrain which limit them to reinvest on their farming activities. In this
context, formal credit plays a major role in their production. This study employs mixed
methodology including quantitative and qualitative analysis. Theoretical models have been tested
by using analysis of reliability Cronbach’s Alpha, EFA factor analysis, and multiple linear
regression analysis. The findings suggest eight factors which significantly impact the accessibility
to credit of farmers in Dak Nong province. Asset ownership appears to be an important factor as
collateral for their loan applications.