Landholding size and farmers' access to credit and its utilisation in Pakistan. Issue 8 (16th November 2016)

• Record Type: Journal Article
• Authors: Saqib, Shahab E.; Ahmad, Mokbul Morshed; Panezai, Sanaullah
• Is Part Of: Development in practice. Volume 26:Issue 8(2016)
• Page Start: 1060
• Page End: 1071
• Publication Date: 2016-11-16
• Subjects: Environment (built and natural) – Agriculture -- Labour and livelihoods – Microfinance -- Economics -- South Asia; Technical assistance -- Developing countries -- Periodicals; Economic assistance -- Developing countries -- Periodicals; Developing countries -- Economic conditions -- Periodicals; 338.91091724
• DOI: 10.1080/09614524.2016.1227301
• Languages: English
• ISSNs: 0961-4524

Abstract

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.