Akademik Veri Yönetim Sistemi
JOURNAL OF FOOD AGRICULTURE & ENVIRONMENT, cilt.10, ss.468-475, 2012 (SCI-Expanded)
In this research, credit using situation examined before 2000s in context of example of Scyhan Plain in Adana in Turkey. The purpose of this research is to study the needs and opportunities for agricultural credit in the Adana region (675,000 ha including 223,000 irrigated). In the region farms have a very intensive production, with large input requirements and investments. In addition, prices and product yields fluctuate with weather conditions, market conditions, as well as farmers' choices to certain specialized production, which causes a large fluctuation in farm income. This offset can cause additional problems. On the other hand, traditional or modern family expenses, increase with urbanization. This phenomenon, coupled with a general increase in agricultural production costs, are causing a severe shortage of working capital to the farmer, who then sees the increase on its credit requirements. Normally, agricultural credit is mainly provided by the State agencies (Agricultural Bank, Agricultural Cooperatives). Indeed, this system is cheaper for farmers because the interest rates charged are well below the inflation rate but it requires guarantees, formality restrict the volume of loans actually granted, especially for small farmers. Thus, the latter to torment a parallel range of credit (loan shark, Firms, non-agricultural banks, etc.) or the interest rate is generally very high and the formalities for obtaining less painful.