[01] Zamzami, Faculty of Economics and Business, University of Jambi, Jambi, Indonesia.

The objective of the study is to measure the participation rate of small farmers in following the two scheme of food crops financing that have been operating in rural areas. The method used in this study is the Kai Squares financing model. The result of the research found that the community economic empowerment is the best scheme for food crop financing in the category of non-formal financing. The financing scheme derived from the rice mill is the most cost-effective scheme. There is a significant difference between the high-educated crop farmers and the low- to middle-educated crop farmers in accessing and utilizing non-formal scheme of financing. On the other hand, there is no significant difference in accessing and utilizing non-formal scheme of financing among well-educated farmers and low-educated crop farmers.

Education, Small Farmers, Food Crop Financing

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