Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/237143 
Year of Publication: 
2018
Citation: 
[Journal:] Financial Innovation [ISSN:] 2199-4730 [Volume:] 4 [Issue:] 1 [Publisher:] Springer [Place:] Heidelberg [Year:] 2018 [Pages:] 1-10
Publisher: 
Springer, Heidelberg
Abstract: 
Background: This study examines the access to credit, credit investment, and credit fungibility for small-holder farmers and medium- and large-scale farmers in the agricultural sector of the Shikarpur District of Sindh, Pakistan. Methods: A standardized questionnaire was used to collect data from 87 farmers in the Shikarpur District. We investigated the availability of credit and the use of credit fungibility by farmers with small-, medium-, and large-scale holdings by applying a credit fungibility ratio and an ANOVA technique. The factors that influence the farmers' access to agricultural credit were analyzed using a probit regression model. Results: The results revealed that farmers in both study groups used some amount of their agricultural credit for non-agricultural activities. Further, the results of the probit regression analysis showed that formal education, farming experience, household size, and farm size had a positive and significant influence on the farmers' access to agricultural credit. Conclusion: Based on these findings, our study suggests that a strong monitoring of farmers is needed in the study area.
Subjects: 
Agricultural credit
Fungibility
Investment of Credit
Credit margin
Pakistan
Persistent Identifier of the first edition: 
Creative Commons License: 
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Document Type: 
Article

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