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Factors Contributing to Repayment Behavior of Micro Loans in Agricultural Bank of Meshkinshahr


  • Ahmad Fatollahi
  • Ebrahim Samani


The purpose of this study was to identify factors influencing on repayment behavior of loans by farmers who received loans from rural branches of Agricultural Bank in Meshkinshahr. Data for this study was obtained from a sample of one- hundred- and -fifty farmers who defaulted in paying their loans to Agricultural Bank. Logistic regression through strata software was used to analyze data. According to the results, the variables of supervision, occupation, other credit received, and education were found to be significant predictors of repayment in Agricultural Bank of Meshginshahr. Findings of this study will give valuable insights to policy makers and planners in the bank in terms of awarding micro loans which can be used in credit policies of the bank.

Suggested Citation

  • Ahmad Fatollahi & Ebrahim Samani, 2015. "Factors Contributing to Repayment Behavior of Micro Loans in Agricultural Bank of Meshkinshahr," International Finance and Banking, Macrothink Institute, vol. 2(1), pages 27-37, June.
  • Handle: RePEc:mth:ifb888:v:2:y:2015:i:1:p:27-37

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    References listed on IDEAS

    1. Godquin, Marie, 2004. "Microfinance Repayment Performance in Bangladesh: How to Improve the Allocation of Loans by MFIs," World Development, Elsevier, vol. 32(11), pages 1909-1926, November.
    2. Adams, Dale W. & Graham, Douglas H., 1981. "A critique of traditional agricultural credit projects and policies," Journal of Development Economics, Elsevier, vol. 8(3), pages 347-366, June.
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