Economic and Institutional Factors Affecting the Performance of the Graduated Mortgage Loan Repayment Scheme Used by Medium-scale Sugarcane Farmers in KwaZulu-Natal PDF Download
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Author: Mopai Clement Mashatola
Publisher:
ISBN:
Category : Agricultural credit
Languages : en
Pages : 0
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Book Description
Author: Mopai Clement Mashatola
Publisher:
ISBN:
Category : Agricultural credit
Languages : en
Pages : 0
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Book Description
Author:
Publisher:
ISBN:
Category : Agriculture
Languages : en
Pages : 1136
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Book Description
Author:
Publisher:
ISBN:
Category : Rural development
Languages : en
Pages : 348
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Book Description
Author: Herman D. van Schalkwyk
Publisher: Springer Science & Business Media
ISBN: 9086861687
Category : Science
Languages : en
Pages : 263
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Book Description
This book assesses the institutional, technical and market constraints as well as opportunities for smallholders, notably, emerging farmers in disadvantaged areas such as the former homelands of South Africa. Emerging farmers are previously disadvantaged black people who started or will start their business with the support of special government programs. Public support programs have been developed as part of the Black Economic Empowerment strategy of the South African government. These programs aim to improve the performance of emerging farmers. This requires, first and foremost, upgrading the emerging farmers skills by providing access to knowledge about agricultural and entrepreneurial practices. To become or to remain good farmers they also need access to suitable agricultural land and sufficient water for irrigation and for feeding their cattle. Finally, for emerging farmers to be engaged in viable farming operations, various factors need to be in place such as marketing and service institutions to give credit for agricultural inputs and investments; input markets for farm machinery, farm implements, fertilizers and quality seeds; and accessible output markets for their end products. This book develops a policy framework and potential institutional responses to unlock the relevant markets for smallholders.
Author: Million Sileshi Haile
Publisher: LAP Lambert Academic Publishing
ISBN: 9783848439393
Category :
Languages : en
Pages : 104
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Book Description
The study was conducted in Eastern Hararghe Zone, of the Oromiya Regional State, in Ethiopia. As stated in the objectives, the main aim of the study was to identify important demographic, socio-economic and institutional factors that affect loan repayment performance of smallholder farmers who borrow from formal credit sources. It was envisaged that the study would provide information that will enable effective measures to be undertaken to improve the loan repayment performance and the success of rural credit programs. It would also enable lenders, such as non-governmental organizations, and policy makers, to appreciate and understand where and how to channel efforts to minimize loan defaulting. The study was also expected to contribute towards better credit administration with a possible pay-off in improved loan repayment.
Author: Aruppillai Thayaparan
Publisher:
ISBN: 9783346085375
Category :
Languages : en
Pages : 52
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Book Description
Document from the year 2019 in the subject Business economics - Investment and Finance, course: ECONOMICS, language: English, abstract: The main objective of the study is to identify the borrower characteristics that discriminate them into defaulters and non- defaulters and examine the determinants of loan repayment and their credit worthiness in Microfinance institutions in Vavuniya district in Sri Lanka. In line with above general objective, this study has the following specific objectives: To identify the borrower characters those classify them into defaulters and non-defaulters in the study area. To evaluate the impact of major demographic characters such as age, gender, levels of education, civil status and family members of the borrowers that impact on their repayment performance and credit worthiness. To investigate how the farming characters like income, farm size, ownership of land, farming experience and availability of non-farm income as well as farmers' attributes such as purposes of loan, crop failure, weather conditions and knowledge about loans affect loan repayment and discriminate the borrowers into two groups in the study area. Financial institutions and banks have major role in financial sector as well as rural sector of an economy in terms of providing loans to the rural community in developing countries like Sri Lanka. The borrowers especially, farmers are able to get the loans from the microfinance institutions to improve their living standard through agricultural activities and generate their income. Even the borrowers have chances to receive the loans, the microfinance institutions and banks are facing the problems to recover the loans from the borrowers. Thus, default rate among the borrowers has been increasing over time which is the difficult task to manage the banks and financial institutions. There are a number of many factors particularly demographic and farming characters that affect the loan repayment rates. There has not been any
Author: Samiya Abdullahi
Publisher: LAP Lambert Academic Publishing
ISBN: 9783844312485
Category :
Languages : en
Pages : 128
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Book Description
Loan default is becoming an increasing problem that threats the sustainability of many microfinance institutions. The causes of the problem are multi- dimensional and non uniform among different literatures. This book, therefore, provides analysis of factors affecting loan repayment performance of women in Harar Microfinance Institution (HMFI). It is mainly based on primary and secondary data. For the analysis purpose, both descriptive statistics and logit regression were used to compare two groups, defaulters and non defaulters, with respect to some explanatory variables. It reveals that loan repayment performance of women is affected by various socio- economic, demographic and institutional factors. It also provides vital information to diverse literatures and has a potential to through light into the area that policy makers, implementing agencies and, anyone else who may engage in providing loan, especially for developing countries, should venture to improve loan repayment performance of borrowers as well as to ensure sustainability of microfinance institutions.
Author: Efrem Regasa
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
This study was conducted to examine factors affecting loan repayment performance of smallholder farmers in Jima Arjo district, East Wallaga, Oromia Region, Ethiopia. The study has used Purposive and proportionate sampling technique in order to select sampled kebeles and households, respectively. Hence, from twenty one kebeles which has large number of credit users two kebeles selected, 86 farmers were selected randomly from 582 household credit users in the selected kebele. Both primary and secondary data were collected for this study. Primary data was collected through questionnaire and interview whereas; secondary data was collected from records of Sinqe Bank Jima Arjo branch. Descriptive statistics was used in order to summarize and describe the answer of the respondents. Furthermore, chi-square test was used to test the association between the explanatory variables and the dependent variable. In addition, binary logistic econometric model was employed in order to identify the significant factors that influence loan repayment performance of the selected sampled household farmers. A total of eleven explanatory variables were included in the econometric model and they were: socio-economic characteristics such as, Age, Sex, Marital status, Family size, Education level, Annual income, saving habit. Availability of other source of income and loan related factors such as Repayment period, Time of loan release and Training on loan use. Nine of these variables were found to be statistically significant determinants of loan repayment. Depending on his finding, the researcher has made some recommendations.
Author: Gabriel C. Orkwor
Publisher:
ISBN: 9789781311000
Category : Yams
Languages : en
Pages : 249
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Book Description
Author: Wytske Chamberlain
Publisher: AFRICAN SUN MeDIA
ISBN: 1928355080
Category : Technology & Engineering
Languages : en
Pages : 294
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Book Description
ΓΏ Inclusive business is hailed as a win-win scenario for the development of poor communities; yet there is little insight into how these inclusive businesses work and, more importantly, for whom. This book aims for a thorough understanding of the range of inclusive businesses in agriculture by examining: the structures they implement, the actors involved, and whether they are effectively inclusive of smallholders. It presents a range of case studies and is therefore empirically based and practically oriented. By offering a critical assessment of inclusive businesses overall, it allows for a better perception of what works where, and under which conditions. It provides useful insights that will benefit smallholders, agri-businesses, support groups, policy makers and investors who are willing to promote more inclusive businesses, that foster a better integration of smallholders into commercial value-chains and a more equitable and sustainable agricultural sector.
