Journal of Food, Agriculture and Environment

Vol 10, Issue 3&4,2012
Online ISSN: 1459-0263
Print ISSN: 1459-0255

Problems of financing and agricultural credit: A case study of Seyhan region


Sinasi Akdemir

Recieved Date: 2012-04-28, Accepted Date: 2012-09-20


In this research, credit using situation examined before 2000s in context of example of Seyhan 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. 


Agricultural credit, credit policy, farm, Turkish agriculture

Journal: Journal of Food, Agriculture and Environment
Year: 2012
Volume: 10
Issue: 3&4
Category: Agriculture
Pages: 468-475

Full text for Subscribers

Note to users

The requested document is freely available only to subscribers/registered users with an online subscription to the Journal of Food, Agriculture & Environment. If you have set up a personal subscription to this title please enter your user name and password. All abstracts are available for free.

Article purchasing

If you like to purchase this specific document such as article, review or this journal issue, contact us. Specify the title of the article or review, issue, number, volume and date of the publication. Software and compilation, Science & Technology, all rights reserved. Your use of this website details or service is governed by terms of use. Authors are invited to check from time to time news or information.

Purchase this Article:   20 Purchase PDF Order Reprints for 15

Share this article :