#UnifarmIndonesia
Vote Unifarm for YCSE Academy 2.0

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โUnifarm is a digital financial platform that focuses on financing agricultural capital through crowdfunding with profit sharing returns. Capital is often an obstacle for a farmer to do his farming business. Limited capital also makes the quantity and quality of the results obtained by farmers not optimal. There are several institutions that can actually provide capital for farmers who need it, but its nature is a loan. The government through state-owned banks has provided facilities through credit. However, according to Saputra (2003) in his research at the Indonesian Center for Agricultural Technology Research and Development on the accessibility of small farmers to credit sources, small or poor farmers have many obstacles to accessing capital to formal institutions such as banks. Based on data from the 2016 National Socio-Economic Survey (Susenas), it states that only 15% of farmers access credit at banks. There are credit problems through banking that are felt by farmers, such as bureaucratic procedures, high risks, and high interest rates.
With the presence of Unifarm, we provide opportunities for farmers in the form of capital financing to develop their farming business so that farmers are able to increase the quality and quantity of their production. Unifarm positions itself as an intermediary site between farmers who need capital and investors who are interested in funding. Farmers receive capital financing and investors get returns on their investments. Unifarm loan tenure is 1- 2 years depending on the agreement. With the financing of capital provided and with a profit sharing system it is expected that farmers and ranchers in the village can develop their farming businesses. Lets vote this campaign. Thanks

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