An analysis of the factors affecting farm people's attitude and use of credit
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"Purpose of study: Several studies have been made of the amounts borrowed by farm people and the purposes for which the funds were used. However, little research has been done to determine the attitude of farm families toward use of credit. Whether or not credit is used depends largely on their needs for additional funds, ability to borrow and willingness to assume debt. It appears that credit is looked upon as a means of taking care of emergencies and not as a convenient procedure for gaining control of needed resources or goods for both production and consumption. The need for funds In agriculture has been well known for several decades. This need has been increasing rather than diminishing. Information is needed as to the more profitable uses of funds and the amounts that can be borrowed without danger of severe financial loss. This area of inquiry is outside the scope and purpose of this study. The research reported here has attempted to discover the relationship between attitudes toward credit and the extent to which it is used. No attempt we made to determine profitability of credit. The information will be helpful to lending agencies, farmers, educators and research workers."--Page 2.
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This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 License.