NASRUDDIN is a 35-year-old farmer from Karya Jaya Farmer’s Group in Tojabi village, Lasusua district, North Kolaka regency, Southeast Sulawesi. His 1-hectare cocoa farm that he inherited from his parents is his family’s main source of income. Since his early farming days, he knew only one local trader where he could sell his dry beans and borrow money when there was an immediate need for his family. Nasruddin would then pay back his debt duri