تحلیل مقایسهای رفتار کشاورزان در نحوه هزینهکرد تسهیلات بانکی کشاورزی (مطالعه موردی: شهرستان خوی، آذربایجان غربی)

Abstract

Abstract Although farmers always have been seriously depended on the banks for their capital formation, but the more important issue, which has been less considered, is to investigate how the agricultural loans are spent by farmers and to explain principles of productive use of the loans. The present research aims to investigate how different groups of farmers spend the loans and to explain the related discriminatory variables. The sample (n=120) was selected through stratified sampling method, from a population including Khoy County farmers who had borrowed agricultural loan during 2002-2007 at least once (N=4592). The results showed that farmers were different from each other in terms of loans' spending behavior because of variables including type of agricultural loan, use of crops insurance, monitoring times on the quality of loan use, loan amount, and educational level. JEL classification: Q14 Keywords: Agricultural loans' distortion, Spending, Experts’ monitoring, Crops insurance