this study was designed to investigate the demand for institutional credit among small scale farmers in imo state. a sample of 40 livestock and 50 food crop farmers were selected respectively using multistage random sampling technique. data were collected with a well structured questionnaire administered to a total of 90 randomly selected farmers. data collected were analyzed using descriptive ...

This study was designed to investigate the demand for institutional credit among small scale farmers in Imo State. A sample of 40 livestock and 50 food crop farmers were selected respectively using multistage random sampling technique. Data were collected with a well structured questionnaire administered to a total of 90 randomly selected farmers. Data collected were analyzed using descriptive ...

The credit crisis of 2007 and 2008 has thrown much focus on the models used to price mortgage backed securities. Many institutions have relied heavily on the credit ratings provided by credit agency. The relationships between management of credit agencies and debt issuers may have resulted in conflict of interest when pricing these securities which has lead to incorrect risk assumptions and val...

Agriculture plays a crucial role in the development of the Indian economy. It accounts for about 19 percent of GDP and about two thirds of the population is dependent on the sector. (Economic Survey, 2009). Recognizing the importance of agriculture sector in India’s development, the Government and the Reserve Bank of India (RBI) have played a vital role in creating a broad-based institutional f...

This paper analyzes the credit demand depression phenomenon resulting from long-term institutional supply rationing. Under the interaction between imperfect formal credit system and rural households’ risk aversion behavior, rural households will be discouraged to depress their credit demand or replace it with informal credit, which we call demand-side credit constraints. It find that about 33.7...

Credit unions are small, cooperative, not-for-profit institutions, which distinguishes them from other financial intermediaries. In this study we conduct a performance evaluation of credit unions. The criteria respect the unique organizational and institutional features of credit unions, without losing sight of the fact that they must compete with other financial intermediaries. We use nonparam...

Without denying the importance of asymmetric information, this article purports the view that credit rationing may also originate from a lender’s inability to classify loan applications into proper risk categories. Although particularly prominent when novel technologies or novel institutional arrangements arise, lack of appropriate categories may affect any request of money lending, making cred...

In order to widen the vision and visualize impact of institutions on not only economic growth as traditionally used but also Credit Ratings countries, this experiment studies correlation between these two attributes. paper, I show how we can find relationship credit ratings countries performance their institutions. study, a data set indicators institutional indicators, such property rights, jud...

This paper has examined the major institutional changes in agricultural input markets and use of inputs across the farming community of the country in the previous decade. More specifically, it discusses the three aspects of inputs: (i) trend in major agricultural inputs use, (ii) their accessibility to small farmers, and (iii) institutional changes in the delivery of input and services. The st...