FARMER'S ATTITUDES TOWARDS TAKING CREDITS FROM AGRICULTURAL DEVELOPMENT AND CREDIT BANK 'A FIELD STUDY IN ISMAILIA GOVERNORATE' | ||||
| Journal of Agricultural Economics and Social Sciences | ||||
| Article 1, Volume 29, Issue 10, October 2004, Page 5711-5722 PDF (2.56 MB) | ||||
| Document Type: Original Article | ||||
| DOI: 10.21608/jaess.2004.209807 | ||||
 View on SCiNiTO | ||||
| Author | ||||
| S. A. EI-Abbassy, | ||||
| Department of Rural Sociology, Agric. Extension and Rural Development Research Institute (AERDRI) | ||||
| Abstract | ||||
| The main objective of the research was to determine level of farmers' attitudes towards taking Credits from development and credit bank ;to determine relationship between some studied independent variables and level of farmers' attitudes towards taking credits from that bank ;to identify sources of farmers information concerning taking credits from the bank, and to identify main reasons for farmers' rejection of taking credits from the bank. A sample of 140 farmers was drawn from seven governorate districts (one villagela district) . The research data were collected during the period January and February,2004.A written questionnaire and interpersonal interviews were used in collecting the research data. Frequency tables ,percentages ,chi-square contingency factor ,arithmetic mean ,and standard deviation were used in analyzing the obtained research data. The research findings showed the following: 1-Concerning level offarmers' attitudes towards taking credits from the bank. More than 50% of the research participants had low attitude concerning taking credits from the bank, about 25% of the research participants were of medium attitudes, and less than 1/6 of the research participants had high attitudes towards taking credits from the bank. 2- Concerning relationship between the dependent variable (level of farmers' attitudes towards taking credits from agricultural development and credit bank) and the studied independent variables. The research findings indicated that there were significant relationships between each of these studied independent variables:the research participant's desire to take credit from the bank in the future ,the research participant's evaluation the propriateness and ease process of paying back the taking credits, and the research participant's benefit of the taking credits ,and the dependent variable. 3-Concerning sources of farmer's information related to taking credits from the bank. The research findings indicated that the information sources, ranked in descending way in accordance with their importance, came as : the bank agent, relatives and neighbors, agents of agricultural cooperatives , agricultural extension agent and different means of mass media. 4- The research findings showed that the main reasons for farmers' rejection of taking credits from the bank, ranked in a descending way, were: inappropriate interest rate. inappropriate process of paying back the credits, complicated procedures in relation with taking the bank credits ,un willingness of taking the bank credits in general, and low profit accrued from the bank credit. The researcher ,based on the obtained research findings, drew three main strategies that may support the bank in maximizing farmers' positive attitudes towards taking credits from agricultural development and credit bank. | ||||
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