Access to Finance: Mitra Usaha Tani Nusantara
Overview
Mitra Usaha Tani (MUTN) is a partnership program between pepper farmers and PT Cinquer Agro Nusantara (CAN) to produce high-quality pepper. Farmers receive advance payment as working capital for fertilizers and labour, and repay it through pepper sales to CAN in the 2022 harvest season. The program helps farmers overcome cash-flow constraints while maintaining quality and traceability.
Project MUTN
A partnership model that combines working capital, technical support, and secure off-take for Bangka pepper farmers.
Mitra Usaha Tani (MUTN) is a partnership program between farmers and PT CAN to produce high quality white pepper. Farmers receive advance payment that can be used for purchasing fertilisers and paying labour costs during the production cycle, so they are not forced to sell early or cut back on good agronomic practices.
The partnership ends with a transparent pepper transaction in the 2022 harvest season. By linking financing directly to quality pepper deliveries, MUTN aligns incentives for farmers, financiers, and buyers while keeping pepper traceable throughout the chain.
Benefits for farmers
Easy finance
Advance payment for pepper purchases, with financing available up to 15 million IDR per farmer.
GAP support
Guidance on pepper cultivation based on Good Agricultural Practices to maintain quality and yield.
Access to inputs
Procurement assistance and access to quality fertilisers to support good pepper management.
Processing facilities
Support for harvesting and post-harvest processes, including soaking, washing, and drying.
Procedure and conditions
How farmers join the financing program and what is expected in return.
To join the MUTN financing program, farmers commit to quality, transparency, and good agricultural practices:
- Have previously sold pepper to PT CAN.
- Have participated in training organised by PT CAN.
- Are willing to apply GAP in their pepper cultivation.
- Are willing to use the SpiceUp application for farm and plot information.
- Are willing to hand over harvesting and post-harvest processes (soaking, washing, drying) to PT CAN.
Achievements
107
Farmers financed
Farmers who accessed working capital through the MUTN partnership to support their pepper production.
Rp. 1B
Financing distributed
Total value of financing channelled to pepper farmers through the program during the project period.
Project Partnership
Gallery
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