Analysis of Factors Influencing Digitalized Financial Recordkeeping and Financial Analysis in Oil Palm Farming Businesses in Tador Village
DOI:
https://doi.org/10.35308/jbt.v12i1.244Keywords:
oil palm, farmers, digitalization, recording, financeAbstract
Smallholder oil palm farmers in Indonesia face persistent challenges in structured financial recordkeeping, which is a fundamental prerequisite for digital transformation in farm management. This study aims to analyze factors associated with financial recordkeeping practices and assess the readiness for digital adoption among oil palm smallholders in Laut Tador Village, North Sumatra. A quantitative survey was conducted with 86 respondents selected using stratified random sampling from a population of 190 farmers. The dependent variable was financial recordkeeping activity (yes/no), while independent variables included age, education, income, farming experience, land ownership status, and training experience in financial recordkeeping. Binary logistic regression was employed, complemented by descriptive analysis of digital readiness indicators (smartphone ownership, social media use, and willingness to adopt technology). The results show that only 10 farmers (11.6%) had ever participated in financial recordkeeping training, and none had implemented routine digital-based recordkeeping. Logistic regression revealed that income (p = 0.036) and training experience (p = 0.027) were significantly associated with recordkeeping activity, while age, education, farming experience, and land ownership status were not. Regarding digital readiness, 80% of farmers expressed willingness to adopt digital technology, and the majority owned smartphones and used WhatsApp or Facebook. However, a substantial gap exists between willingness and actual practice. The logistic model had limited stability due to the small number of events (n = 10), and findings should be interpreted as exploratory. This study concludes that financial recordkeeping practices among smallholder oil palm farmers remain low, and digital readiness while promising has not translated into action. Training and income enhancement are key leverage points for intervention.
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