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Factors affecting farm credit use

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Author Info

  • Ani L. Katchova

Abstract

This study analyzes the personal and farm characteristics that influence the use of farm credit, the degree of indebtedness, and debt consolidation for U.S. farms. Whereas previous studies have examined the supply side of agricultural credit using lender-based data, this study considers the demand side of agricultural credit using representative farm-level data from the USDA’s 2001 Agricultural Resource Management Study (ARMS). The results show that gross farm income, risk management strategies, and operator’s age and risk aversion had significant influences on the likelihood of farm credit use by rural residence, intermediate, and commercial farms.

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Bibliographic Info

Article provided by Emerald Group Publishing in its journal Agricultural Finance Review.

Volume (Year): 65 (2005)
Issue (Month): 2 (July)
Pages: 17-29

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Handle: RePEc:eme:afrpps:v:65:y:2005:i:2:p:17-29

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Related research

Keywords: Credit; Debt; Debt consolidation; Farm indebtedness;

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Cited by:
  1. Harris, James Michael & Dillard, John & Erickson, Kenneth W. & Hallahan, Charles B., 2009. "Changes in Debt Patterns and Financial Structure of Farm Businesses: A Double Hurdle Approach," 2009 Annual Meeting, July 26-28, 2009, Milwaukee, Wisconsin 49402, Agricultural and Applied Economics Association.
  2. Harris, James Michael & Blank, Steven C. & Erickson, Kenneth W. & Hallahan, Charles B., 2010. "Off-farm Income and Investments in Farm Assets: A Double Hurdle Approach," 2010 Annual Meeting, July 25-27, 2010, Denver, Colorado 61531, Agricultural and Applied Economics Association.
  3. Landerito, Aiko O. & Dixon, Bruce L. & Ahrendsen, Bruce L. & Hamm, Sandra J. & Danforth, Diana M., 2009. "Analyzing FSA Direct Loan Borrower Payback Histories: Predictors of Financial Improvement and Loan Servicing Actions," 2009 Annual Meeting, July 26-28, 2009, Milwaukee, Wisconsin 49340, Agricultural and Applied Economics Association.
  4. Jan Fałkowski & Pavel Ciaian & d'Artis Kancs, 2009. "Access to Credit, Factor Allocation and Farm Productivity: Evidence From the CEE Transition Economies," Working Papers 2009-12, Faculty of Economic Sciences, University of Warsaw.
  5. Dixon, Bruce L. & Ahrendsen, Bruce L. & Landerito, Aiko O. & Hamm, Sandra J. & Danforth, Diana M., . "Determinants of FSA Direct Loan Borrowers' Financial Improvement and Loan Servicing Actions," Journal of Agribusiness, Agricultural Economics Association of Georgia.

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