Analisis Kesediaan Membayar Premi Asuransi Usahatani Padi Menggunakan Model Regresi Logistik

Abstract

untuk pengal-ihan dialami petani. Tujuan penelitian adalah untuk menentukan nilai rata-rata, faktor-faktor yang memengaruhi, dan nilai peluang kesediaan membayar premi. Kesediaan membayar premi nilainya dapat ditentukan melalui Contingent Valuation Method (CVM). Sedangkan untuk mengetahui faktor-faktor yang memengaruhi dan nilai peluang kesediaan membayar premi dianalisis menggunakan Abstract Agricultural activities, specifically paddy farming, will tend to be associated with consistently elevated risks for crop failure rates caused by natural disas-ters like floods and droughts, pests, and plant diseases due to climate change. Paddy farm insurance is expected to be capable of being utilized as a solution to reduce the risk of crop failure that may be encountered by farmers. This research was intended to determine the average value and factors that provide an influence on the willingness of farmers to pay, and probability for farmers to pay the paddy farm insurance premium. Willingness to Pay (WTP) value may be determined through the Contingent Valuation Method (CVM). More-over, the factors that provide an influence on the willingness of farmers to be involved and probability value for farmers to pay premiums may be analyzed by Logistic Regression. Referring to the research results, the average value of the willingness to pay premiums was amounted to Rp 31.973,73/Ha/MT. This value was found to be 11.18% less than the current premium determined by the government. Major factors that were considered capable of influencing farmers to pay premium is consisted of the area of agricultural land and farm-ing experience, with probability value of farmers to pay premium is 0,1414.