Identification Factors Affecting on Agricultural Credits Allocation (Cease Study: Pistachio Growers in Sirjan)

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ZAMANIAN GHOLAM REZA; OHADI NASRIN

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Paper Information

Journal: Iranian Journal of Agricultural Economics and Development Research Year:2016 | Volume:47-2 | Issue:2 Page(s): 303-311

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Information Journal Paper

Title

Identification Factors Affecting on Agricultural Credits Allocation (Cease Study: Pistachio Growers in Sirjan)

Author(s)

ZAMANIAN GHOLAM REZA | OHADI NASRIN | Issue Writer Certificate

Keywords

Tobit ModelQ2

Logit ModelQ2

Credit AllocationQ1

Credit RepaymentQ1

SirjanQ1

Abstract

Supply of credits to farmers is necessary because of the importance of credits in order to assurance the efficiency of production process. The purpose of this study is identification factors affecting on credits allocation to agricultural activities and factors affecting on probability failure to repay of credits received. In this study, 196 farmers and customers who have received loans from the Agricultural Bank were randomly selected. Statistics and necessary information were collected by questionnaires and investigation of customers file for the years 2010-2013. Factors affecting on credits allocated to the agricultural activities was identified using Tobit Model. Based on this model, there was a direct and significant relation at level of confidence 95 percent among variables of age, educational levels, experience, annual income from non-agricultural activities, amount of credits received and credits allocated to agricultural activities. There was an inverse and significant relation among variable of family size and credits allocated to agricultural activities. Also, probability failure to repay of credits received modeling was done using Logit Multinomial model. In this model, there was an inverse and significant relation at level of confidence 95 percent among variables of age, educational levels, value of the assets, monthly income of the applicant and probability failure to repay of credits. Gender had a direct and significant relation with probability failure to repay of credits. Based on the results of this study suggestions were presented.

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APA: Copy

ZAMANIAN, GHOLAM REZA, & OHADI, NASRIN. (2016). Identification Factors Affecting on Agricultural Credits Allocation (Cease Study: Pistachio Growers in Sirjan). IRANIAN JOURNAL OF AGRICUTURAL ECONOMICS AND DEVELOPMENT RESEARCH, 47(2 ), 303-311. SID. https://sid.ir/paper/146534/en

Vancouver: Copy

ZAMANIAN GHOLAM REZA, OHADI NASRIN. Identification Factors Affecting on Agricultural Credits Allocation (Cease Study: Pistachio Growers in Sirjan). IRANIAN JOURNAL OF AGRICUTURAL ECONOMICS AND DEVELOPMENT RESEARCH[Internet]. 2016;47(2 ):303-311. Available from: https://sid.ir/paper/146534/en

IEEE: Copy

GHOLAM REZA ZAMANIAN, and NASRIN OHADI, “Identification Factors Affecting on Agricultural Credits Allocation (Cease Study: Pistachio Growers in Sirjan),” IRANIAN JOURNAL OF AGRICUTURAL ECONOMICS AND DEVELOPMENT RESEARCH, vol. 47, no. 2 , pp. 303–311, 2016, [Online]. Available: https://sid.ir/paper/146534/en

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