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Determining Default Probabilities for FSA Direct Loans

Author

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  • Dodson, Charles B.
  • Koenig, Steven R.

Abstract

A binomial logit model was used to analyze relationships between financial characteristics and loan performance for FSA direct borrowers receiving direct FO or OL loans in fiscal 2005. Not surprisingly, the results indicate a strong and direct relationship between many key financial variables and probability of default. Production specialization, however, was indicated to have just as important an impact on probability of default as many financial variables. Other strong indicators included farm size, membership in a targeted group, and the ability to obtain credit from commercial lenders.

Suggested Citation

  • Dodson, Charles B. & Koenig, Steven R., 2008. "Determining Default Probabilities for FSA Direct Loans," 2008 Agricultural and Rural Finance Markets in Transition, September 25-26, 2008, Kansas City, Missouri 51195, Regional Research Committee NC-1014: Agricultural and Rural Finance Markets in Transition.
    • Handle: RePEc:ags:nc1008:51195
    DOI: 10.22004/ag.econ.51195
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    Cited by:

    1. Nora Azureen Abdul Rahman & Zunarni Kosim & Siew Goh Yeok, 2018. "The Characteristics of Household Loans in Conventional and Islamic Banks in Malaysia," International Journal of Academic Research in Business and Social Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Business and Social Sciences, vol. 8(7), pages 531-541, July.

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    Keywords

    Agricultural Finance; Financial Economics;

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