Factors influencing use of credit in American agriculture (including comparisons with India)
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"Since credit is one of the most important ways of gaining control of agricultural resources, an understanding of the factors affecting its use is essential to the economic development of any country. Funds can be provided by individuals, by institutions or by the government itself. Knowledge of the factors that influence the supply of funds and the demand for loans will aid materially in developing a credit system that will meet the needs of farmers. This study contains a quantitative estimate of the factors that influenced the use of credit by American farmers in the years 1914 through 1958. Hie data include such items as the amount of real estate mortgage and non real estate debt outstanding, the value per acre of farm real estate, land market activity, net worth of farmers and commodity prices for the Wilted states as a Whole as well as for nine selected states representing different type of farming areas. Simple and multiple regression equations were used to determine the extent of relationship between the various factors and the amount of credit used by farm ers. Sources of loans in ths United States were compared with sources in India to get some notion of differences between availability of funds in a country with well developed money markets, such as the United States, as compared with one with relatively few commercial banks and organised security exchanges."--Foreward.
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This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 License.