بررسي عوامل موثر بر بازپرداخت اعتبارات كشاورزي (مطالعه موردي استان فارس )

Study of Factors Affecting the Agricultural Credit Repayment:Case Study of Fars Province

The aim of this study was to investigate factors affecting repayment of agricultural loan in Fars Province, using the data collected from the Agricultural Bank and 163 questionnaires filled out in Fars-Province. The farmers were divided to repayment and defaulter groups and discriminant analysis model was used. Discriminant analysis function results in Fars Province indicated that natural losses, proportion of farm income to total income, crop insurance, farm income, saving, expected time period, the Bank supervision, repayment period time, type of activity, diversity index, market situation, non-farm income, acreage, education and town dummy variables separate two groups of farmers. Among variables in discriminant analysis function, natural losses and expected time period for receiving credit caused decrease in probability of loan repayment while the other variables affected inversely. Finally, some recommendations are made to improve repayment tendency and ability of borrowers.