Factors influencing demand for, and supply of, agricultural credit: A study from Bangladesh

被引:4
作者
Yeasmin, Shakila [1 ]
Haque, Sadika [1 ]
Adnan, K. M. Mehedi [2 ]
Parvin, Mst Tania [3 ]
Rahman, Mohammad Saidur [1 ]
Rahman, Khandaker Mostafizur [4 ]
Salman, Md. [5 ]
Hossain, Md. Emran [6 ,7 ,8 ]
机构
[1] Bangladesh Agr Univ, Dept Agr Econ, Mymensingh 2022, Bangladesh
[2] Sylhet Agr Univ, Dept Agr Finance & Banking, Sylhet 3100, Bangladesh
[3] Bangabandhu Sheikh Mujibur Rahman Agr Univ, Dept Agribusiness, Gazipur 1706, Bangladesh
[4] Bangladesh Agr Univ, Dept Agr & Appl Stat, Mymensingh 2022, Bangladesh
[5] Bangladesh Agr Univ, Dept Agr Econ, Mymensingh, Bangladesh
[6] Bangladesh Agr Univ, Dept Agr Finance & Banking, Mymensingh 2202, Bangladesh
[7] Texas State Univ, Dept Agr Sci, San Marcos, TX 78666 USA
[8] Bangladesh Agr Univ, Agr Econ Finance, Mymensingh, Bangladesh
关键词
Agricultural credit demand; Credit supply; Rural households; Credit users; Bangladesh;
D O I
10.1016/j.jafr.2024.101173
中图分类号
S [农业科学];
学科分类号
09 ;
摘要
The provision of a wide range of financing choices enhances farmers' ability to respond to changing circumstances in their agricultural activities and maintain optimal levels of production. However, several householdand farm-level determinants impact the availability of, and demand for, agricultural credit in rural households. Therefore, the current study explores the determinants of demand for, and supply of, agricultural credit. To do so, data at the farm level were gathered using interviews with a randomly selected sample of 360 respondents in the Mymensingh region of Bangladesh. Additionally, 30 years' worth of secondary data were obtained from various sources to investigate the determinants of agricultural credit supply. Data were analyzed using binary logistics and multiple linear regression. Findings reveal that farmers' demand for agricultural credit is positively influenced by farming experience and farm size. Factors that significanly discourage farmers from taking credit include (a) an increase in income-generating family members, (b) perceived high interest rates of credit, and (c) negative perceptions regarding the application procedure. Factors that increase agricultural credit supply are (a) an increase in credit supply targets and (b) increased severity of natural disasters. In addition, an increase in nonperforming loans does not hinder agricultural credit supply as the Bangladeshi government has placed special emphasis on protecting farmers from crop failures and other adverse situations in order to achieve food selfsufficiency in the country.
引用
收藏
页数:10
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