The Impact of Farm Credit in Pakistan

Both formal, and informal loans matter in agriculture. But formal lenders provide much more in production lending, than do informal lenders, often at a higher cost than what they can recover. The Agricultural Development Bank of Pakistan (ADBP), for example, providing about 90 percent of formal loan...

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Bibliographic Details
Main Authors:	Khandker, Shahidur R., Faruqee, Rashidur R.
Format:	Policy Research Working Paper
Language:	en_US
Published:	World Bank, Washington, DC 2014
Subjects:	Agricultural development Rural credit Farm capital Creditworthiness Credit-based livelihood programs Risk management Loan defaults Subsidized credits Covariate risks Cost-effectiveness Landless laborers Subsistence farming Collateral access to credit accounting ADB agricultural credit agricultural output agricultural production agriculture asymmetric information benefit analysis borrowing commercial banks consumption increases costs of borrowing credit cost credit demand credit institutions credit market credit markets credit programs credit rationing credit risk credit schemes credit transactions deposit accounts deposits diminishing returns econometric evidence econometric models elasticity entrepreneurship expenditures farm credit financial institutions fish Food Policy Research GDP government intervention gross value income inflation interest income interest rate interest rates labor productivity loan defaults moral hazard net profit net value net worth nominal interest rate opportunity cost producers production costs production increases productivity real rate of interest repayment return on equity rural credit savings transaction costs wealth working capital
Online Access:	http://hdl.handle.net/10986/18200

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http://hdl.handle.net/10986/18200

The Impact of Farm Credit in Pakistan

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