ПОВЫШЕНИЕ ФИНАНСОВОЙ ИНКЛЮЗИИ ДЛЯ МАЛОГО АГРОБИЗНЕСА КАК ФАКТОР УСТОЙЧИВОГО РАЗВИТИЯ СЕЛЬСКИХ ТЕРРИТОРИЙ

Abstract

Financial inclusion, considered as the provision of financial opportunities and access of the rural population and small forms of management (SFM) to financial and credit resources, is an important factor that allows an agricultural business to expand, create jobs and reduce inequality in the village. The subject of the study is financial and credit tools that provide financial inclusion of the SFM in agriculture. The purpose of the study is to assess the state and development problems of financial inclusion of small agricultural producers, as well as determining directions and economic measures that contribute to its increase in order to ensure sustainable development of rural areas. Research methods. The study has been carried out using such general scientific methods as: analysis and synthesis, induction and deduction, abstract-logical method. The empirical base of the study is based on the data of the Ministry of Agriculture of Russia, the Federal State Statistics Service, the Central Bank of the Russian Federation. Research results. SFM and the economy of the population are manufacturers of a significant share of agricultural products and provide employment in the village. However, such a necessary preferential lending for a number of reasons remains for them inaccessible and insufficient for the development of agricultural production. One of the alternative sources of borrowed funds for small agribusiness and the population is agricultural credit consumer cooperation (ACCC). The growth of the portfolio of loans of the ACCC indicates their demand in rural territories. However, the presence of a number of accumulated problems of the institutional, organizational and economic nature led to a reduction in the number of rural credit cooperatives. Based on the results of the study, directions and economic measures are proposed to increase the financial availability of preferential lending for the SFM and the development of ACCC