Main Article Content
Abstract
The Cattle and Buffalo Business Insurance (CBBI) program, launched by the Indonesian government, aims to provide financial protection to smallholder farmers against livestock deaths or losses. This study investigates the impact of farmers' knowledge on their engagement with the CBBI program in Timbuseng Village, situated in the North Polongbangkeng District of Takalar Regency, South Sulawesi, Indonesia. A cross-sectional descriptive quantitative analysis was conducted using primary data collected through structured questionnaires from a sample of 74 beef cattle farmers. Fisher's exact test was employed in a bivariate analysis to evaluate the link between farmers' understanding of CBBI objectives, registration procedures, premiums, and claim procedures and their participation in the program. All data were processed using STATA 14.2 software. The study findings reveal a robust and statistically significant correlation between the four types of knowledge about the CBBI program and their involvement in the program. Addressing knowledge gaps and simplifying processes could enhance CBBI program adoption to support sustainable livestock production and strengthen smallholder farmers' resilience in Indonesia.
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Copyright (c) 2026 Vidyahwati Tenrisanna, Kasmiyati Kasim

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References
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References
Aditya, K. S., Kishore, A., & Khan, T. (2018). Adoption of Crop Insurance and Impact: Insights from India. Agricultural Economics Research Review, 31(2), 163-174. doi: 10.5958/0974-0279.2018.00034.4
Agus, A., Satya, T., & Widi, M. (2018). Current Situation and Future Prospects for Beef Cattle Production in Indonesia: A Review. Asian-Australas J Anim Sci, 31(7), 976–983. doi: 10.5713/ajas.18.0233
Akintunde, O. (2015). Determinants of Poultry Farmers’ Participation in Livestock Insurance in Southwest Nigeria. Asian Journal of Poultry Science, 9(4), 233-241. doi: 10.3923/ajpsaj.2015.233.241
Akoglu, H. (2018). User's Guide to Correlation Coefficients. Turkish Journal of Emergency Medicine, 18(3), 91-93. doi: 10.1016/j.tjem.2018.08.001
An-nisa, N. S., Syarief, R., & Gendut, S. (2015). Strategi Pengembangan Asuransi Ternak Sapi. Jurnal Manajemen Agribisnis, 12(1), 27-35. doi: 10.17358/JMA.12.1.27
Ankrah, D. A., Kwapong, N. A., Eghan, D., Adarkwah, F., & Boateng-Gyambiby, D. (2021). Agricultural Insurance Access and Acceptability: Examining the Case of Smallholder Farmers in Ghana. Agriculture & Food Security, 10(19), 1-14. doi: 10.1186/s40066-021-00292-y
Badan Pusat Statistik. (2022). Peternakan dalam Angka Tahun 2022. Badan Pusat Statistik
Cao, Y., & Li, D. (2013). Impact of Increased Demand for Animal Protein Products in Asian Countries: Implications on Global Food Security. Animal Frontiers, 3(3), 48–55. doi: 10.2527/af.2013-0024
Connor, M., Sudarmaji, S., Kobarsih, M., De Guia, A. H., Pustika, A. B., & Hellin, J. (2021). Rice Farming in Central Java, Indonesia: Adoption of Sustainable Farming Practices, Impacts, and Implications. Agronomy, 11(5), 1-14. doi: 10.3390/agronomy11050881
Danasari, I. F., Sari, N. M. W., Septiadi, D., & Supartiningsih, N. L. S. (2023). Dependency on Beef Import to Support Food Security in Indonesia. IOP Conference Series: Earth and Environmental Science, 1253(1), 1-8. doi: 10.1088/1755-1315/1253/1/012088
Djunedi, P. (2016). Analisis Asuransi Pertanian di Indonesia: Konsep, Tantangan, dan Prospek. Jurnal Borneo Administrator, 12(1), 9–27. doi: 10.24258/JBA.V12I1.209
Fahad, S., Wang, J., Hu, G., Wang, H., Yang, X., Shah, A. A., Huong, N. T. L., & Bilal, A. (2018). Empirical Analysis of Factors Influencing Farmers' Crop Insurance Decisions in Pakistan: Evidence from Khyber Pakhtunkhwa Province. Land Use Policy, 75, 459–467. doi: 10.1016/J.LANDUSEPOL.2018.04.016
Halim, A., & Razak, R. (2022). The Relationship between the Knowledge Level of Farmers and the Effectiveness of the Rice-Farming Business Insurance Program (AUTP) in Pinrang Regency. International Journal of Social Science and Education Research Studies, 2(07), 298-307. doi: 10.55677/ijssers/V02I07Y2022-10
Halperin, S., & Heath, O. (2020). 16. Patterns of Association: Bivariate Analysis. Political Research. doi: 10.1093/hepl/9780198820628.003.0016
Hong, X., Gong, Y., Chen, Y., & Wang, H. (2023). Farmers’ Green Technology Adoption: Implications from Government Subsidies and Information Sharing. Naval Research Logistics (NRL), 71(2), 286–317. doi: 10.1002/nav.22150
Jha, A., & Singh, O. (2021). Farmers' Awareness and Perception about Livestock Insurance in Dhanusha District, Nepal. International Journal of Biological Innovations, 3(1), 228–239. doi: 10.46505/IJBI.2021.3125
Kandel, G., & Timalsina, R. (2019). Farmers’ Awareness and Perception about Livestock Insurance: A Case from Nawalparasi District of Nepal. ACTA Scientific Agriculture, 3(6), 117-121. Retrieved from https://www.researchgate.net/publication/333262377
Kementerian Pertanian Republik Indonesia. (2023). Pedoman Bantuan Premi Asuransi Usaha Ternak dan Kerbau (AUTS/K) 2023. Direktorat Jenderal dan Prasarana dan Sarana Pertanian, Kementerian Pertanian Republik Indonesia. Retrieved from https://psp.pertanian.go.id/storage/1464/Pedoman-Bantuan-Premi-Asuransi-Usaha-Ternak-Sapi-Kerbau-TA.-2023.pdf
Kim, H.-Y. (2017). Statistical Notes for Clinical Researchers: Chi-Squared Test and Fisher’s Exact Test. Restorative Dentistry & Endodontics, 42(2), 152. doi: 10.5395/rde.2017.42.2.152
Listiyani, Y. (2022). Animal Insurance of Cattle/Bow in Indonesia: Regulation, Mechanism, and Responsibility. Progressive Law Review, 4(01), 10–16. doi: 10.36448/plr.v4i01.68
Ma, L., & Mao, J. (2018). Fisher Exact Scanning for Dependency. Journal of the American Statistical Association, 114(525), 245–258. doi: 10.1080/01621459.2017.1397522
Maulidi, I., Putra, J. K., Werry, F., & Vina, A. (2021). Analysis Factors that Affect Participant Interest in Cattle Farm Business Insurance in Indonesia. Jurnal Ilmu-Ilmu Peternakan, 32(1), 52–60. doi: 10.21776/ub.jiip.2022.032.01.06
Mohapatra, L., Dhaliwal, R., & Kaur, M. (2016). Farmers Knowledge about the Agricultural Insurance Scheme in Punjab. Indian Res.J.Ext.Edu, 16(1), 49-53. Retrieved from https://api.seea.org.in/uploads/pdf/v16107.pdf
Muladno, M., & Agatha, M. A. (2023). SPR: Empowerment of Smallholder Livestock Farmer Community. Sodality: Jurnal Sosiologi Pedesaan, 11(2), 143-153. Retrieved from doi: 10.22500/11202346032
Nepali, B. (2021). Farmers’ Perception on Status of Livestock Insurance in Surkhet District, Nepal. Journal of Agriculture and Natural Resources, 4(2), 111–123. doi: 10.3126/janr.v4i2.33679
Parsons, V. L. (2017). Stratified Sampling. Wiley StatsRef: Statistics Reference Online. doi: 10.1002/9781118445112.stat05999.pub2
Pon, D. (2025). Literature Review: Farmers Perception towards Livestock Insurance. Epra International Journal of Research & Development (IJRD), 199–208. doi: 10.36713/epra20608
Rustinsyah, R. (2019). The Significance of Social Relations in Rural Development: A Case Study of a Beef-Cattle Farmer Group in Indonesia. Journal of Co-Operative Organization and Management, 7(2), 100088. Retrieved from doi: 10.1016/J.JCOM.2019.100088
Shen, L., Zhou, Y., Zhang, Z., & Xu, Y. (2023). Applying Blockchain Technology and the Internet of Things to Improve the Data Reliability for Livestock Insurance. Sensors (Basel, Switzerland), 23(14), 1-16. doi: 10.3390/s23146290
Smith, S. B., Gotoh, T., & Greenwood, P. L. (2018). Current Situation and Future Prospects for Global Beef Production: Overview of Special Issue. Asian-Australas J Anim Sci, 31(7), 927–932. doi: 10.5713/Ajas.18.0405
Soedjana, T. D., & Priyanti, A. (2017). Competitiveness of Indonesian Livestock Production among ASEAN Countries. WARTAZOA. Indonesian Bulletin of Animal and Veterinary Sciences, 27(1), 1-14. doi: 10.14334/wartazoa.v27i1.1411
Sugiyono. (2013). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta
Tekin, K., Di̇kmen, B. Y., Kanca, H., & Guatteo, R. (2021). Precision Livestock Farming Technologies: Novel Direction of Information Flow. Ankara Üniversitesi Veteriner Fakültesi Dergisi, 68(2), 193–212. doi: 10.33988/auvfd.837485
Tenrisanna, V., Kasim, K., Lestari, V. S., & Qinayah, M. (2024). Estimating the Willingness of Farmers to Pay for Cattle Business Insurance Premiums: A Case Study in Takalar Regency, Indonesia. Russian Journal of Agricultural and Socio-Economic Sciences, 3(147), 170-179. Retrieved from https://doaj.org/article/d626a85082414b93a889294997152fef
Warangkiran, G., Rorimpandey, B., Manese, M. A. V., & Santa, N. M. (2021). Faktor-Faktor yang Mempengaruhi Pendapatan Usaha Ternak Sapi di Desa Kanonang Raya Kabupaten Minahasa. ZOOTEC, 41(1), 29. doi: 10.35792/zot.41.1.2021.31595