@article{Raza:342203,
      recid = {342203},
      author = {Raza, Ali},
      title = {Credit Demand Among Small Farmers:  A District Level  Approach, Pakistan},
      journal = {Asian Journal of Agriculture and Rural Development},
      address = {2019-01},
      number = {393-2024-2406},
      year = {2019},
      abstract = {In the current study, determinants of credit demand among  small farmers in the Mandi Bahauddin district of Pakistan  were investigated. For this purpose, interviews with 123  small farmers in six villages of this district were  conducted. Both qualitative and quantitative techniques  were used to examine factors that affect credit demands.  Seven determinants were devised and tested, and a probit  model was employed to analyze the effects of education,  household size, and income on the credit demand. Through  qualitative methods, factors like informal lending,  interest rate, consumption smoothing, and transaction cost  were analyzed. It was noted that informal borrowing, higher  interest rates, and high transaction costs crowded out  formal lending. A positive correlation was observed between  education and credit demand. Household size and all types  of incomes did not significantly correlate with credit  demand.},
      url = {http://ageconsearch.umn.edu/record/342203},
      doi = {https://doi.org/10.22004/ag.econ.342203},
}