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Landholding size and farmers’ access to credit and its utilisation in Pakistan

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  • Shahab E. Saqib
  • Mokbul Morshed Ahmad
  • Sanaullah Panezai

Abstract

This article reports on a study that aimed to investigate the differences in access to, and utilisation of, agricultural credit among subsistence farmers in Pakistan. Primary data were collected from 87 randomly selected subsistence farmers. Results show that subsistence farmers with more land had greater access and utilisation, and that education, experience, type of farmer, and landholding size were significant factors influencing access to credit. As subsistence farmers with the least land were the most disadvantaged, there is a need for revamping the credit policy to protect their interests. Moreover, simplifying the existing complex procedures involved in securing agricultural credit is highly recommended.

Suggested Citation

  • Shahab E. Saqib & Mokbul Morshed Ahmad & Sanaullah Panezai, 2016. "Landholding size and farmers’ access to credit and its utilisation in Pakistan," Development in Practice, Taylor & Francis Journals, vol. 26(8), pages 1060-1071, November.
    • Handle: RePEc:taf:cdipxx:v:26:y:2016:i:8:p:1060-1071
    DOI: 10.1080/09614524.2016.1227301
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    Cited by:

    1. Abera Alemu & Zerhun Ganewo, 2023. "Impact Analysis of Formal Microcredit on Income of Borrowers in Rural Areas of Sidama Region, Ethiopia: A Propensity Score Matching Approach," Journal of the Knowledge Economy, Springer;Portland International Center for Management of Engineering and Technology (PICMET), vol. 14(1), pages 65-85, March.
    2. Chitralada Chaiya & Sikandar Sikandar & Pichate Pinthong & Shahab E. Saqib & Niaz Ali, 2023. "The Impact of Formal Agricultural Credit on Farm Productivity and Its Utilization in Khyber Pakhtunkhwa, Pakistan," Sustainability, MDPI, vol. 15(2), pages 1-14, January.
    3. Shah Johir Rayhan & Md. Sadique Rahman & Kaiyu Lyu, 2023. "The Role of Rural Credit in Agricultural Technology Adoption: The Case of Boro Rice Farming in Bangladesh," Agriculture, MDPI, vol. 13(12), pages 1-17, November.
    4. Yasir A. Nasereldin & Abbas Ali Chandio & Maurice Osewe & Muhammad Abdullah & Yueqing Ji, 2023. "The Credit Accessibility and Adoption of New Agricultural Inputs Nexus: Assessing the Role of Financial Institutions in Sudan," Sustainability, MDPI, vol. 15(2), pages 1-18, January.

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