Background:This study examines the access to credit,credit investment,and credit fungibility for small-holder farmers and medium-and large-scale farmers in the agricultural sector of the Shikarpur District of Sindh,Pa...Background:This study examines the access to credit,credit investment,and credit fungibility for small-holder farmers and medium-and large-scale farmers in the agricultural sector of the Shikarpur District of Sindh,Pakistan.Methods:A standardized questionnaire was used to collect data from 87 farmers in the Shikarpur District.We investigated the availability of credit and the use of credit fungibility by farmers with small-,medium-,and large-scale holdings by applying a credit fungibility ratio and an ANOVA technique.The factors that influence the farmers’access to agricultural credit were analyzed using a probit regression model.Results:The results revealed that farmers in both study groups used some amount of their agricultural credit for non-agricultural activities.Further,the results of the probit regression analysis showed that formal education,farming experience,household size,and farm size had a positive and significant influence on the farmers’access to agricultural credit.Conclusion:Based on these findings,our study suggests that a strong monitoring of farmers is needed in the study area.展开更多
文摘Background:This study examines the access to credit,credit investment,and credit fungibility for small-holder farmers and medium-and large-scale farmers in the agricultural sector of the Shikarpur District of Sindh,Pakistan.Methods:A standardized questionnaire was used to collect data from 87 farmers in the Shikarpur District.We investigated the availability of credit and the use of credit fungibility by farmers with small-,medium-,and large-scale holdings by applying a credit fungibility ratio and an ANOVA technique.The factors that influence the farmers’access to agricultural credit were analyzed using a probit regression model.Results:The results revealed that farmers in both study groups used some amount of their agricultural credit for non-agricultural activities.Further,the results of the probit regression analysis showed that formal education,farming experience,household size,and farm size had a positive and significant influence on the farmers’access to agricultural credit.Conclusion:Based on these findings,our study suggests that a strong monitoring of farmers is needed in the study area.
