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Smallholder Farmers Access To Agricultural Credit And Its Impact
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Book Synopsis Smallholder Farmers Access to Agricultural Credit and Its Impact by : Hagos W/Gebriel Teklu
Download or read book Smallholder Farmers Access to Agricultural Credit and Its Impact written by Hagos W/Gebriel Teklu and published by LAP Lambert Academic Publishing. This book was released on 2011-07 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt: The major concern of this study is assessing the impact of agricultural credit on gross farm income, consumption level and asset creation of smallholder farmers, by identifying factors affecting credit access and trend of credit use of smallholder farmers. Primary data were collected from 150 farmers, and secondary data from relevant organizations and pertinent documents of North Gondar Zone, Ethiopia. Data were analyzed using descriptive statistics, binary logit and Cobb-Douglas production function models. Therefore this study has contributed that, agricultural input credit access and proper use helped in income improvement, consumption level and asset creation of smallholder farmer's welfare living and should be diversified to include more income generative technologies and farmers.
Book Synopsis Are smallholder farmers credit constrained? Evidence on demand and supply constraints of credit in Ethiopia and Tanzania by : Balana, Bedru
Download or read book Are smallholder farmers credit constrained? Evidence on demand and supply constraints of credit in Ethiopia and Tanzania written by Balana, Bedru and published by Intl Food Policy Res Inst. This book was released on 2020-11-13 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit constraint is considered by many as one of the key barriers to adoption of modern agricultural technologies, such as chemical fertilizer, improved seeds, and irrigation technologies, among smallholders. Past research and much policy discourse associates agricultural credit constraints with supply-side factors, such as limited access to credit sources or high costs of borrowing. However, demand-side factors, such as risk-aversion and financial illiteracy among borrowers, as well as high transaction costs, can also play important roles in credit-rationing for smallholders. Using primary survey data from Ethiopia and Tanzania, this study examines the nature of credit constraints facing smallholders and the factors that affect credit constraints. In addition, we assess whether credit constraints are gender-differentiated. Results show that demand-side credit constraints are at least as important as supply-side factors in both countries. Women are more likely to be credit constrained (from both the supply and demand sides) than men. Based on these findings, we suggest that policies should focus on addressing both supply- and demand-side credit constraints, including through targeted interventions to reduce risk, such as crop insurance and gender-sensitive policies to improve women’s access to credit.
Book Synopsis The Effects of Credit Policies on U.S. Agriculture by : Peter J. Barry
Download or read book The Effects of Credit Policies on U.S. Agriculture written by Peter J. Barry and published by American Enterprise Institute. This book was released on 1995 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines the nonbudget consequences of the entire set of agricultural programmes and the extent to which general financial regulation affects the farm sector.
Book Synopsis Do credit constraints affect agricultural technology adoption? Evidence from Nigeria by : Balana, Bedru
Download or read book Do credit constraints affect agricultural technology adoption? Evidence from Nigeria written by Balana, Bedru and published by Intl Food Policy Res Inst. This book was released on 2020-09-08 with total page 5 pages. Available in PDF, EPUB and Kindle. Book excerpt: The agricultural sector in Nigeria is characterized by low productivity that is driven in part by low use of modern agricultural technologies. Poor access to credit is seen by many observers to be one of the key barriers to adoption of these technologies. Literature suggests that credit constraints impede individuals from investing in productivity enhancing agricultural technologies and, thus, poor farmers are unable to engage in high-return agricultural activities. Much policy discourse and research literature associates agricultural credit constraints with supply-side factors, such as farmers not having access to credit sources or high costs of borrowing, and, thus, recommend that such supply-side constraints be addressed to improve smallholders’ access to credit. However, demand-side factors, such as borrower’s risk-averse behavior, financial illiteracy, collateral requirements, or perceived high transactions costs, can also play important roles in credit-rationing for smallholder farmers.
Book Synopsis The Impact and Accessibility of Agricultural Credit by : Kojo Spio
Download or read book The Impact and Accessibility of Agricultural Credit written by Kojo Spio and published by . This book was released on 2013 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: This study is an exploratory analysis of the impact and accessibility of formal agricultural credit to small-scale farmers, based on data collected from a sample of farmers in two regions of South Africa's Limpopo Province. The main aims of the research were to: -- Determine the impact of credit and its shadow price. -- Investigate the efficiency of the rural financial market. -- Determine the characteristics and factors that influence the accessibility of credit in the small-scale farming sector, as well as the differential access to credit within the sector. The results of the study indicate that productivity differs between borrowers and non-borrowers. The difference of 40% in favour of borrowers is caused both by credit use (21%) and the farmers' inherent characteristics. Thus, credit can increase a randomly selected farmer's output b 21 per cent. The marginal credit return rate is 2.10 at zero loan, implying a 110 per cent shadow price of capital. The hypothesis that non-borrowers are credit constrained is empirically supported. The marginal credit effect at mean loan size is 1.35, indicating that the average loan size is below income-maximising size. This implies that loan-quantity rationing is still prevalent among borrowers, and that it is possible that borrowers may still be liquidity constrained but to a lesser degree than non-borrowers. The estimated shadow-price of credit (35%) exceeds the average interest rate (18%) also suggesting that the rural credit markets in the survey areas are not o9perating in the most efficient manner. It also indicates that the farmers in the study area can afford to pay the prevailing market interest rate. About 29.4% of the farmers sampled for the study had access to formal credit. More than 57% of the credit used by small farmers comes from informal credit. Access to formal credit is also highly skewed, and shows greater ease of access for large farm size than smaller groups. Factors such as area cultivated, family labour, title deed, non-farm income, remittances and pensions (social benefits), awareness of the availability of credit, and repayment records are found to be important variables in predicting accessibility of credit to small scale farmers in the study area. The main findings are: -- Small-scale farmers have limited and differential access to credit: those with holdings approaching commercial size are better-off. -- Rural agricultural financial markets are inefficient. Borrowers and non-borrowers alike are credit constrained. -- Credit is not too expensive to be used profitably: it effects on productivity can improve the welfare of small-scale farmers. In view of these findings, the following policy proposals are suggested. Firstly, the policy of not providing interest rate subsidies for loans is justified. Credit subsidisation, with its unfortunate history, should be avoided. Secondly, there is the need to restructure costly and poorly performing rural financial institutions to effectively and efficiently provide the needed services to its clientele. To ensure rapid credit delivery, it is also imperative that agricultural institutions are encouraged to decentralise their activities. Expansion of banking outlets is one of the most important surge factors affecting financial services. In addition, policy makers should also focus on critical elements of the financial infrastructure, such as the information system and training facilities, which are necessary for the development of the rural financial system in South Africa. Finally, the threshold for entry into the financial market is simply too high for many. Hence, creating a conducive environment in rural areas is one of the areas that will require more attention. Investment in rural infrastructure will also act as catalyst for the establishment of some of the missing institutions that cause market failures in rural financial markets.
Book Synopsis White Gold: The Commercialisation of Rice Farming in the Lower Mekong Basin by : Rob Cramb
Download or read book White Gold: The Commercialisation of Rice Farming in the Lower Mekong Basin written by Rob Cramb and published by Springer Nature. This book was released on 2020-01-03 with total page 462 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book is about understanding the processes involved in the transformation of smallholder rice farming in the Lower Mekong Basin from a low-yielding subsistence activity to one producing the surpluses needed for national self-sufficiency and a high-value export industry. For centuries, farmers in the Basin have regarded rice as “white gold”, reflecting its centrality to their food security and well-being. In the past four decades, rice has also become a commercial crop of great importance to Mekong farmers, augmenting but not replacing its role in securing their subsistence. This book is based on collaborative research to (a) compare the current situation and trajectories of rice farmers within and between different regions of the Lower Mekong, (b) explore the value chains linking rice farmers with new technologies and input and output markets within and across national borders, and (c) understand the changing role of government policies in facilitating the on-going evolution of commercial rice farming. An introductory section places the research in geographical and historical context. Four major sections deal in turn with studies of rice farming, value chains, and policies in Northeast Thailand, Central Laos, Southeastern Cambodia, and the Mekong Delta. The final section examines the implications for rice policy in the region as a whole.
Author :United States. Congress. Senate. Committee on Small Business. Subcommittee on Small Business: Family Farm Publisher : ISBN 13 : Total Pages :230 pages Book Rating :4.F/5 ( download)
Book Synopsis Farm Credit Problems and Their Impact on Agricultural Banks by : United States. Congress. Senate. Committee on Small Business. Subcommittee on Small Business: Family Farm
Download or read book Farm Credit Problems and Their Impact on Agricultural Banks written by United States. Congress. Senate. Committee on Small Business. Subcommittee on Small Business: Family Farm and published by . This book was released on 1985 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Role of Smallholder Farms in Food and Nutrition Security by : Sergio Gomez y Paloma
Download or read book The Role of Smallholder Farms in Food and Nutrition Security written by Sergio Gomez y Paloma and published by Springer Nature. This book was released on 2020-01-01 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access book discusses the current role of smallholders in connection with food security and poverty reduction in developing countries. It addresses the opportunities they enjoy, and the constraints they face, by analysing the availability, access to and utilization of production factors. Due to the relevance of smallholder farms, enhancing their production capacities and economic and social resilience could produce positive impacts on food security and nutrition at a number of levels. In addition to the role of small farmers as food suppliers, the book considers their role as consumers and their level of nutrition security. It investigates the link between agriculture and nutrition in order to better understand how agriculture affects human health and dietary patterns. Given the importance of smallholdings, strategies to increase their productivity are essential to improving food and nutrition security, as well as food diversity.
Book Synopsis Economic Impact Of Credit Use On Smallholder FarmersS by : Michael Tariku
Download or read book Economic Impact Of Credit Use On Smallholder FarmersS written by Michael Tariku and published by LAP Lambert Academic Publishing. This book was released on 2013 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt: It has been reported in various studies that micro finance has very beneficial economic and social impacts. Others argue that it can be an instrument of defaults and stagnation rather than an instrument of progress. Therefore, the major concern of this study is to measure the impact of credit use on the farm income and the living standard of the small farmers, to identify the factors affecting credit use, and to investigate the pattern of credit use by smallholder farmers. Descriptive statistics such as mean, standard deviation and percentages were used for analysing the data. Moreover, inferential statistics of t-test and 2 - test were employed to compare credit users and non-users with respect to the hypothesized and other related variables. A binary logit model is employed to examine factors affecting agricultural credit use. In this regard, a total of twelve explanatory variables were included in the empirical model of which five were significant, while Propensity Score Matching (PSM) method is employed to measure the impact of credit on the farm income of smallholders.
Book Synopsis Risk-Contingent Credit (RCC): Assessing smallholders' agricultural credit needs and the feasibility of implementing RCC in Ethiopia by : Timu, Anne G.
Download or read book Risk-Contingent Credit (RCC): Assessing smallholders' agricultural credit needs and the feasibility of implementing RCC in Ethiopia written by Timu, Anne G. and published by Intl Food Policy Res Inst. This book was released on 2023-07-20 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt: Agricultural credit is an important instrument for improving the welfare of farm households and their resilience to weather-related shocks. Farm households with access to credit can over come liquidity constraints and undertake investment in new production technologies such as improved seeds and machinery. This investment can boost farm production, food security, incomes, employment opportunities, and overall household welfare. However, in many low- and middle-income countries (LMICs), credit market imperfections pose a challenge to both the supply of agricultural credit and farmers’ use of credit (Marjit and Mishra 2020). Even when the credit infrastructure is relatively well-developed, smallholder farmers in LMICs remain largely underserved (Karlan and Morduch 2010; McIntosh et al. 2013).
Book Synopsis Credit constraints and agricultural technology adoption: Evidence from Nigeria by : Balana, Bedru
Download or read book Credit constraints and agricultural technology adoption: Evidence from Nigeria written by Balana, Bedru and published by Intl Food Policy Res Inst. This book was released on 2020-08-19 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: The agricultural sector in Nigeria is characterized by low productivity that is driven by low use of modern agricultural technologies, such as improved seed, chemical fertilizer, agrochemicals, and agricultural machinery. Poor access to credit is claimed to be one of the key barriers to adoption of these technologies. This study examines the nature of credit constraints among smallholder farmers – whether smallholders are credit constrained or not and the extent to which credit constraints emanate from supply-side or demand-side factors. Using multinomial probit and seeming unrelated simultaneous equations econometric models with data from the 2018/19 Living Standards Measurement Study-Integrated Surveys on Agriculture (LSMS-ISA) for Nigeria, the study investigates the factors affecting credit access and the effects of these credit constraints on adoption of four agricultural technologies – inorganic fertilizer, improved seed, agrochemicals, and mechanization. The results show that about 27 percent of survey households were found to be credit constrained – 12.8 percent due to supply-side factors and 14.2 percent due to demand-side factors. Lack of access to information and communication technology, extension services, and insurance coverage are the major demand-side factors negatively affecting smallholder’s access to credit. Registered land tiles and livestock ownership enhance credit access. Credit constraints manifests themselves differentially on the adoption of different agricultural technologies. While adoption of inorganic fertilizer and improved seed are significantly affected by credit constraints from both the supply and the demand-sides; use of agricultural machinery is affected only by demand-side factors, while use of agrochemicals is not affected from either supply or demand-side credit factors. From a policy perspective, our findings indicate that improving credit access via supply-side interventions alone may not necessarily boost use of modern agricultural technologies by smallholder farmers in Nigeria. Demand-side factors, such as access to information, extension services, and insurance cover, should equally be addressed to mitigate the credit constraints faced by smallholders and increase their adoption of modern agricultural technologies and improve their productivity.
Book Synopsis Formal and Informal Institutions' Lending Policies and Access to Credit by Small-scale Enterprises in Kenya by : Rosemary Atieno
Download or read book Formal and Informal Institutions' Lending Policies and Access to Credit by Small-scale Enterprises in Kenya written by Rosemary Atieno and published by . This book was released on 2001 with total page 62 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Agricultural value chain finance in Indonesia by : de Brauw, Alan
Download or read book Agricultural value chain finance in Indonesia written by de Brauw, Alan and published by Intl Food Policy Res Inst. This book was released on 2021-08-13 with total page 111 pages. Available in PDF, EPUB and Kindle. Book excerpt: Smallholder farmers in developing countries face substantial constraints that limit their ability to reach their production potential. Two constraints—risk exposure and limited access to liquidity—pose particular challenges. Smallholders face a wide variety of risks that constrain both the choices they can make and their willingness to make investments. Limited availability of affordable credit, borrowing and saving products poorly aligned with the needs of the agriculture sector, and prohibitive borrowing eligibility requirements all impede farmers’ access to the liquidity necessary for investing in new, more profitable crops and technologies (International Finance Corporation, 2014). Observers have noted that a large share of long-term credit needs is not being met in Southeast Asia, despite its location near some of the world’s largest consumer markets (Shakhovskoy & Wendle, 2013). While existing financial services may be suitable for some farmers, access to finance is particularly inadequate among women, low-income groups, and ethnic minorities, and risk excluding the most vulnerable groups from these emerging economic opportunities.
Book Synopsis From Agriscience to Agribusiness by : Nicholas Kalaitzandonakes
Download or read book From Agriscience to Agribusiness written by Nicholas Kalaitzandonakes and published by Springer. This book was released on 2017-11-21 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume presents a state-of-the-art overview of the rapidly evolving field of agribusiness, highlighting the most current issues, concepts, trends and themes in research, practice and policy. With a particular emphasis on technology, product and process innovation, the authors cover a wide array of topics relating to such issues as research and development, technology transfer and patents and licensing, with particular respect to the roles of academic institutions, private organizations and public agencies in generating and disseminating knowledge. Featuring case studies of innovative initiatives across the industry, this book will appeal to researchers, business leaders, university administrators and policymakers concerned with the multi-faceted implications of this dynamic and controversial sector.
Book Synopsis The Family Farm in a Globalizing World by : Michael Lipton
Download or read book The Family Farm in a Globalizing World written by Michael Lipton and published by Intl Food Policy Res Inst. This book was released on 2005 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt: References p. 25-28.
Book Synopsis Farming Systems and Poverty by : John A. Dixon
Download or read book Farming Systems and Poverty written by John A. Dixon and published by Food & Agriculture Org.. This book was released on 2001 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: A joint FAO and World Bank study which shows how the farming systems approach can be used to identify priorities for the reduction of hunger and poverty in the main farming systems of the six major developing regions of the world.
Book Synopsis Rural Finance for Food Security for the Poor by : Manfred Zeller
Download or read book Rural Finance for Food Security for the Poor written by Manfred Zeller and published by Intl Food Policy Res Inst. This book was released on 1997-01-01 with total page 146 pages. Available in PDF, EPUB and Kindle. Book excerpt: A broader role for rural finance for food security. The saving and borrowing behavior of the food-insecure poor. Innovative rural finance for the poor: a food security perspective. Conclusions for research and policy.
