The Impact Of Farm Credit In Pakistan
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The Impact Of Farm Credit In Pakistan
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Author : Shahidur R. Khandker
language : en
Publisher:
Release Date : 2001
The Impact Of Farm Credit In Pakistan written by Shahidur R. Khandker and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Agricultural credit categories.
The Agricultural Development Bank of Pakistan (ADBP), which provides most formal loans in Pakistan's rural areas, lends to largeholders far more than to smallholders, although the impact of credit is greater for the smallholders. Targeting credit to smallholders would make ADBP's credit scheme more cost-effective. To reach poor farmers and farmers without assets, in other words to reduce poverty, stringent collateral requirements should be relaxed and outreach should be broadened.
The Impact Of Farm Credit In Pakistan
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Author : Shahidur R. Khandker
language : en
Publisher:
Release Date : 2017
The Impact Of Farm Credit In Pakistan written by Shahidur R. Khandker and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with categories.
Both formal, and informal loans matter in agriculture. But formal lenders provide much more in production lending, than do informal lenders, often at a higher cost than what they can recover. The Agricultural Development Bank of Pakistan (ADBP), for example, providing about 90 percent of formal loans in rural areas, incurs high costs on loan defaults. Like other governments, the Government of Pakistan subsidized the formal scheme on the grounds that lending to agriculture is a high-risk activity, because of covariate risk. Because farm credit schemes are subsidized, policymakers must know if these schemes are worth supporting. Using recent data from a large household survey from rural Pakistan, the authors estimate the cost-effectiveness of the ADBP loans. To estimate credit's impact, they use a two-stage method, which takes into account the endogeneity of borrowing. Clearly, formal lenders are biased toward larger farmers with collateral. Large landowners, who tend to represent only four percent of rural households, get 42 percent of formal loans. Landless, and subsistence farmers, who represent more than 69 percent of rural households, receive only 23 percent of formal loans. ADBP loans improve household welfare but, although large farmers receive most of ADBP finance, the impact of credit is greater for small farmers than for large farmers. Large landowners use formal loans unproductively. Because the ADBP scheme is subsidized, it is not cost-effective for delivering rural credit. It would be more cost-effective is small farmers were better targeted instead.
The Impact Of Farm Credit In Pakistan
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Author : Shahidur Khandker
language : en
Publisher:
Release Date : 1999
The Impact Of Farm Credit In Pakistan written by Shahidur Khandker and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with categories.
August 2001 The Agricultural Development Bank of Pakistan (ADBP), which provides most formal loans in Pakistan's rural areas, lends to largeholders far more than to smallholders, although the impact of credit is greater for the smallholders. Targeting credit to smallholders would make ADBP's credit scheme more cost-effective. To reach poor farmers and farmers without assets--in other words, to reduce poverty--stringent collateral requirements should be relaxed and outreach should be broadened. Both formal and informal loans matter in agriculture. But formal lenders provide much more in production lending than do informal lenders, often at a higher cost than what they can recover. The Agricultural Development Bank of Pakistan (ADBP), for example, providing about 90 percent of formal loans in rural areas, incurs high costs on loan defaults. Like other governments, the Government of Pakistan subsidized the formal scheme on the grounds that lending to agriculture is a high-risk activity because of covariate risk. Because farm credit schemes are subsidized, policymakers must know if these schemes are worth supporting. Using recent data from a large household survey from rural Pakistan, Khandker and Faruqee estimate the cost-effectiveness of the ADBP loans. To estimate credit's impact, they use a two-stage method, which takes into account the endogeneity of borrowing. Clearly, formal lenders are biased toward larger farmers with collateral. Large landowners, who tend to represent only 4 percent of rural households, get 42 percent of formal loans. Landless and subsistence farmers, who represent more than 69 percent of rural households, receive only 23 percent of formal loans. ADBP loans improve household welfare but, although large farmers receive most of the ADBP finance, the impact of credit is greater for small farmers than for large farmers. Large landowners use formal loans unproductively. Because the ADBP scheme is subsidized, it is not cost-effective for delivering rural credit. It would be more cost effective if small farmers were better targeted instead. This paper--a product of Rural Development, Development Research Group--is part of a larger effort in the group to understand the cost-effectiveness of alternative credit delivery systems and their impact on rural poverty. The authors may be contacted at [email protected] or rfaruqee@worldbank. org.
The Impact Of Farm Credit In Pakistan
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Author : Khandker
language : en
Publisher:
Release Date : 2013
The Impact Of Farm Credit In Pakistan written by Khandker and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
Impact Of Agricultural Credit On Small Farms Productivity In Punjab Pakistan
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Author : Maqbool Hussain Sial
language : en
Publisher:
Release Date : 1989
Impact Of Agricultural Credit On Small Farms Productivity In Punjab Pakistan written by Maqbool Hussain Sial and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1989 with categories.
Farm Credit Profile And Supervised Credit In Rural Pakistan
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Author : Dr. Mahmood Ali Khan
language : en
Publisher:
Release Date : 1973
Farm Credit Profile And Supervised Credit In Rural Pakistan written by Dr. Mahmood Ali Khan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1973 with Agricultural credit categories.
Agricultural Credit In Pakistan
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Author : Mahmood Ali Khan
language : en
Publisher:
Release Date : 1974
Agricultural Credit In Pakistan written by Mahmood Ali Khan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1974 with categories.
Myth Unleashed Institutional Credit Agri Production In Pak
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Author : Ahmed Muneeb Mehta
language : en
Publisher: LAP Lambert Academic Publishing
Release Date : 2013
Myth Unleashed Institutional Credit Agri Production In Pak written by Ahmed Muneeb Mehta and has been published by LAP Lambert Academic Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
Pakistan is known to be an agriculture based economy but its contribution towards the economical development is decreasing on constant basis. This study is intended to investigate the impact of institutional credit on agriculture production of Pakistan and uncovers the role of bank credit in agriculture production of Pakistan. The purpose is to paint the problems, prospects and challengers clearly and address what needs to be done in terms of offering technical, financial and intellectual assistance to the agricultural sector of Pakistan. The performance of banks has been analyzed in terms of targets given to them by State Bank of Pakistan. Subsistence level farmers feel many problems to get credit in Pakistan.Therefore, differnt lending mechanisms and schemes have been proposed through this research based study such as development loans for small farmers, supply of fertilizers, awareness campaigns, etc that farmers working at small and large level can avail in a befitting manner.
Agricultural Finance
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Author : A. Moquit
language : en
Publisher:
Release Date : 1953
Agricultural Finance written by A. Moquit and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1953 with categories.
Impact Of Socio Economic Characteristics Of Farmers On Access To Agricultural Credit
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Author : Muhammad Nouman
language : en
Publisher:
Release Date : 2013
Impact Of Socio Economic Characteristics Of Farmers On Access To Agricultural Credit written by Muhammad Nouman and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
This study aims to study impact of socio-economic characteristics of farmers on access to agricultural credit in Pakistan. Data have been collected using a structured questionnaire from a sample of 80 beneficiaries of formal agricultural credit from the district Swabi of Khyber Pahktunkhwa province. Amount of credit borrowed by the farmers is used as dependent variable whereas, the independent variables are different socio-economic characteristics of the borrowers of the agricultural credit including age, marital status, education, number of dependents, other occupations, farm size, farm status, tenancy status, farming experience, income from farming, and income from other occupations. The dependent variable is a categorical variable; therefore the Ordered Logit Model has been used for analysis of data. Findings suggest that the amount of agricultural credit that can be borrowed by the farmers is significantly affected by their marital status, farm status, farm size, and education level.