• search hit 6 of 31
Back to Result List

Factors Determining Farmers’ Access to and Sources of Credit: Evidence from the Rain-Fed Zone of Pakistan

  • This study investigates the factors that affect farmers’ access to agricultural credit and its role in adopting improved agricultural technologies in the rain-fed zone of Khyber Pakhtunkhwa (KP), Pakistan. Using logistic models, we assess and compare the relative role of farmers’ socioeconomic attributes in their access to credit and adoption strategies. The results indicate a moderate positive association between farmers’ access to agricultural credit and their adoption of improved agricultural technologies. The binary logit model’s results indicate that farmers with a large-sized farm, high farm income, better access to information, and large physical asset ownership showed a positive influence on credit access. However, farming experience showed a negative effect on farmers’ access to agricultural credit. Regarding farmers’ credit sources, this study found that asset-rich farmers with more farming experience and better access to information relied more on banks than on input providers and informal credit sources. Similarly, olderThis study investigates the factors that affect farmers’ access to agricultural credit and its role in adopting improved agricultural technologies in the rain-fed zone of Khyber Pakhtunkhwa (KP), Pakistan. Using logistic models, we assess and compare the relative role of farmers’ socioeconomic attributes in their access to credit and adoption strategies. The results indicate a moderate positive association between farmers’ access to agricultural credit and their adoption of improved agricultural technologies. The binary logit model’s results indicate that farmers with a large-sized farm, high farm income, better access to information, and large physical asset ownership showed a positive influence on credit access. However, farming experience showed a negative effect on farmers’ access to agricultural credit. Regarding farmers’ credit sources, this study found that asset-rich farmers with more farming experience and better access to information relied more on banks than on input providers and informal credit sources. Similarly, older farmers with more education, larger farm sizes and high farm income were more likely to have borrowed from input providers than banks. We conclude that the role of the effective provision of information on credit and agricultural technology is imperative and requires separate policies that are specifically aimed at different groups of farmers with different socioeconomic and farm-related characteristics.show moreshow less

Download full text files

Export metadata

Additional Services

Share in Twitter Search Google Scholar Statistics
Metadaten
Author:Ayat Ullah, Nasir Mahmood, Alam Zeb, Harald KächeleGND
URN:urn:nbn:de:kobv:eb1-opus-3419
DOI:https://doi.org/10.3390/agriculture10120586
ISSN:2077-0472
Parent Title (English):Agriculture
Publisher:MDPI
Document Type:Article
Language:English
Year of Completion:2020
Date of first Publication:2020/11/27
Publishing Institution:Hochschule für nachhaltige Entwicklung Eberswalde
Release Date:2023/06/08
Tag:Khyber Pakhtunkhwa; adoption of agricultural technologies; agricultural credit; rain-fed zone; socioeconomic attributes
Volume:10
Issue:12
Article Number:586
Page Number:13
Institutions / Departments:Fachbereich Landschaftsnutzung und Naturschutz
open_access (DINI-Set):open_access
University Bibliography:University Bibliography
Zweitveröffentlichung
Peer-Review / Referiert
Licence (German):License LogoCreative Commons - CC BY - Namensnennung 4.0 International
Einverstanden ✔
Diese Webseite verwendet technisch erforderliche Session-Cookies. Durch die weitere Nutzung der Webseite stimmen Sie diesem zu. Unsere Datenschutzerklärung finden Sie hier.