Landholding size and farmers’ access to credit and its utilisation in Pakistan

Saqib, Shahab E.; Ahmad, Mokbul Morshed; Panezai, Sanaullah

doi:10.1080/09614524.2016.1227301

Cited by 47 publications

(42 citation statements)

References 9 publications

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“…We included additional variables in the finance provision part of the conceptual framework based on a review of relevant literature. Previous studies have found that access to finance is determined by the amount of credit applied for [ 15 ], the ability of farmers to manage their farms as shown by their experience [ 31 – 32 ], farm size [ 31 – 34 ], and membership of a village or farmers’ association [ 35 ]. Furthermore, Glover [ 36 ] pointed out that having a contract in agriculture is not only beneficial for market access, but also eases access to credit.…”

Section: Methodsmentioning

confidence: 99%

Access to finance from different finance provider types: Farmer knowledge of the requirements

2017

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Analysing farmer knowledge of the requirements of finance providers can provide valuable insights to policy makers about ways to improve farmers’ access to finance. This study compares farmer knowledge of the requirements to obtain finance with the actual requirements set by different finance provider types, and investigates the relation between demographic and socioeconomic factors and farmer knowledge of finance requirements. We use a structured questionnaire to collect data from a sample of finance providers and farmers in Java Island, Indonesia. We find that the most important requirements to acquire finance vary among different finance provider types. We also find that farmers generally have little knowledge of the requirements, which are important to each type of finance provider. Awareness campaigns are needed to increase farmer knowledge of the diversity of requirements among the finance provider types.

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Section: Methodsmentioning

confidence: 99%

Access to finance from different finance provider types: Farmer knowledge of the requirements

2017

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“…Many commercial banks are only willing to make lending decision on the basis of collateral, because landholding size is more acceptable as risk management and loan securement for institutional lenders. Collateral is believed to enhance households' repayment possibility [64][65][66], which is the reason most poor/small households being not able to borrow [13]. In Pakistan, the lack of collateral is the main reason for farmers' inability to reach the rural credit [62,67,68].…”

Section: Determinants Of Rural Credit Accessmentioning

confidence: 99%

Access to Rural Credit Markets in Developing Countries, the Case of Vietnam: A Literature Review

et al. 2019

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Agricultural sectors play an important role in the process of economic development of a country, especially in developing ones. Vietnam is known as an emerging market, which depends directly on agriculture-related activities for their livelihood, in which the issue of rural credit access still remains a confounding problem. The paper focuses on the characteristics of rural credit markets, the determinants of farmer access to the markets, the socio-economic impacts of credit access in Vietnam and briefly comparing with those of some developing countries. This question is addressed by reviewing existing literature and empirical evidence, followed by a comprehensive case study in Vietnam. Comprehensive literature review with secondary data collection and key informant interviews are methods that are applied in this research. The results of this analysis indicate the features of Vietnam markets as participated constraints, government intervention, and segmentation. Other results reveal the significant determinants of credit accessibility. Impacts of credit access on output production, household income, and poverty reduction are highlighted in this paper. Some managerial implications are recommended for households through participation in lending networks; for financial institutions relating to expand target clients as well as capital allocation; and, for policy-makers via ensuring market competitiveness and sustainable development in the long run.

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“…The available few studies on credit in Afghanistan have not focused on the socio-economic aspects of the farmers that may affect farmers' participation in credit, the size of credit, and the credit constraints. The current literature on other countries shows that socio-economic factors influence the financial activities of rural households [15][16][17][18]. However, the direction of the influence of the factors differs from case to case.…”

Section: Introductionmentioning

confidence: 99%

Factors Affecting Farmers’ Access to Formal and Informal Credit: Evidence from Rural Afghanistan

Moahid

Maharjan

2020

Sustainability

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Adequate access to credit is necessary for the sustainable development of agriculture. This study uses a double hurdle model to investigate what affects farming households’ credit participation and amount, and a Probit model to find out credit constraints. For this purpose, the data from a survey of 292 farming households in Afghanistan was utilized. The study finds that households obtain credit for their agricultural activities from various formal and informal sources. The results of the double hurdle model reveal that the financial activities of the households were positively determined by crop diversity, education, number of adults in a household, size of land, and access to extension. Non-agricultural income decreases the likelihood of participation. The results of the analysis of credit constraints indicate that formal credit did not help small-scale and remoter farming households; however, these households relied on informal credit, especially when they faced income shock. Furthermore, religious belief increased the chances of avoiding formal credit but not informal credit. It is suggested that formal credit should be expanded to rural areas, especially to small-scale farming households. Policy makers should also consider increasing access to extension. Formal financial institutions should provide Sharia-compliant credit, which increases the confidence level of households in using formal credit in Afghanistan.

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Landholding size and farmers’ access to credit and its utilisation in Pakistan

Cited by 47 publications

References 9 publications

Access to finance from different finance provider types: Farmer knowledge of the requirements

Access to finance from different finance provider types: Farmer knowledge of the requirements

Access to Rural Credit Markets in Developing Countries, the Case of Vietnam: A Literature Review

Factors Affecting Farmers’ Access to Formal and Informal Credit: Evidence from Rural Afghanistan

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