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Author: Will Fred Maitrejean
Publisher:
ISBN:
Category :
Languages : en
Pages : 156
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Book Description
Author: Will Fred Maitrejean
Publisher:
ISBN:
Category :
Languages : en
Pages : 156
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Book Description
Author: Kloeppinger-Todd, Renate
Publisher: Intl Food Policy Res Inst
ISBN:
Category : Social Science
Languages : en
Pages : 34
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Book Description
Everywhere in the world, small agricultural producers are entrepreneurs, traders, investors, and consumers, all rolled into one. In all these roles, small agricultural households constantly seek to use available financial instruments to improve their productivity and secure the best possible consumption and investment choices for their families. But the package of financial services available to small farmers in developing countries is severely limited, especially for those living in remote areas with no access to basic market infrastructure. When poor people have limited saving or borrowing options, their investment plans are stifled and it becomes harder for them to break out of poverty. If households have no access to insurance and are unable to accumulate small savings that enable them to pay for household and business expenses, especially during lean seasons, they are forced to limit their exposure to risk, even if high returns are expected, once again making the pathway out of poverty more arduous than necessary. Inadequate access to financial services is thus part of what is often called the poverty trap.
Author: American Bankers Association. Agricultural Committee
Publisher:
ISBN:
Category : Agricultural credit
Languages : en
Pages : 50
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Book Description
Author: Brigitte Klein
Publisher:
ISBN:
Category : Agricultural credit
Languages : en
Pages : 98
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Book Description
Author: Donald Clare Horton
Publisher:
ISBN:
Category : Agricultural credit
Languages : en
Pages : 700
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Book Description
This publication is intended to serve a principal purpose of providing a compact summary and analysis of factual material on farm-mortgage credit heretofore available only in scattered sources. At the same time it is intended to orient the major current problems and public issues in the farm-mortgage credit field.
Author: Anna Wolff
Publisher: GRIN Verlag
ISBN: 3640585259
Category : Business & Economics
Languages : en
Pages : 105
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Book Description
Diploma Thesis from the year 2006 in the subject Economics - Case Scenarios, grade: 1,3, European University Viadrina Frankfurt (Oder) (Europa-Universität Viadrina / Reims Management School), language: English, abstract: The rural sector in development countries is characterized by high covariant risk, high client dispersion and lack of suitable collateral. These problems lead to high information asymmetry within the agricultural lending process. Because information is incomplete agricultural lending is costly. Consequently many micro finance institutions (MFIs) have concentrated their branches and activities in urban areas. Therefore scepticism is growing about their role in mobilising rural savings and offering rural lending services. Financial cooperatives demanding compulsory savings and enforcing group lending schemes are able to reduce information asymmetry and hence transaction costs of agricultural lending. Since the financial cooperative follows a minimalist approach, it does not offer non-financial services such as storage facilities, training in farming techniques or the treatment of agricultural produce. In order to enhance clients' ability to utilize credit, and thereby to improve their repayment rates, an MFI should follow the integrated approach. The MFI with an integrated approach offers credit combined with non-financial services. The grain bank is seen as a financial institution which links products and services of the financial cooperative with those of the integrated approach. The grain bank replaces physical cash with grains and farm inputs. Six main products are offered by the grain bank: savings in grain, input credit, inventory credit, household food security loan, storage services and training services. Further the grain bank provides access to input and output markets otherwise not available for the farmer. The Ghanaian "Centre for Agriculture and Rural Development" (CARD) is such a grain bank. The results show that CARD has a better financ
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher:
ISBN:
Category : Agricultural credit
Languages : en
Pages : 132
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Book Description
Author: Isaac Mbugua
Publisher: GRIN Verlag
ISBN: 3668706875
Category : Business & Economics
Languages : en
Pages : 61
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Book Description
Master's Thesis from the year 2013 in the subject Business economics - Investment and Finance, , course: Master of Business Adminstration-Finance, language: English, abstract: It has been postulated that access to credit for farmers has been influenced by a number of factors. It is presumed that there exists a relationship between agriculture productivity and poverty alleviation, and hence the critical need to address inadequate credit facilities in rural areas that are a key constraint to farmers’ investments. Given that the major economic function of financial institutions include addressing the restraints imposed by inadequate access to financial services; it is argued that these institutions are well positioned to dealing with these financial constrains among which include access to credit. Literature review in chapter two revealed that access to credit was a challenge facing farmers in various parts of the globe. Studies indicated that a significant proportion of challenges in the farming industry could be alleviated through the provision of sustainable and easily accessible credit. For this study, data was gathered using questionnaires and was analyzed using Ms-Excel and presented using elementary statistical techniques such frequency tables and charts. After analyzing the findings, the researcher drew conclusions and made recommendations. Areas for further studies were identified as well. Research established that collateral, basic loan requirements and interest rates on loans are key determinants to farmer’s access to credit, deficiency in any of the above factors hindered farmers from getting credit. After assessing the findings of the study, the researcher made recommendations aimed at improving and making it easy for farmers to access credit, e.g. coming up with loan products specifically tailored for farmers and opening of rural branches by financial institutions to bring services closer to farmers.
Author: Virgil Porter Lee
Publisher:
ISBN:
Category : Agricultural credit
Languages : en
Pages : 252
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Book Description
Author: Jacob Yaron
Publisher: McFarland
ISBN:
Category : Business & Economics
Languages : en
Pages : 172
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Book Description
An Overview of the Traditional Approach. Polices for Improving Rural Financial Intermediation. An Overview of Rural Financial Institutions.
