Akademik Veri Yönetim Sistemi
SCIENTIFIC PAPERS-SERIES MANAGEMENT ECONOMIC ENGINEERING IN AGRICULTURE AND RURAL DEVELOPMENT, cilt.25, sa.4, ss.15-25, 2025 (ESCI)
Agricultural
credit is a vital tool for farmers to invest in their farms, improve
productivity, and manage financial risks. With proper credit access, farmers
can contribute to food security, rural development, and overall economic
stability. The aim of this study is to determine the factors affecting the
agricultural credit usage of farmers in Patnos district of Ağrı Province of Türkiye. The data were obtained by
questionnaire method from 67 farmers in the study area. The data were analyzed
with the use of descriptive statistics and binary logit model. Results from
binary logit estimation showed that overall model was a good fit, most of the
socio-economic factors were found significant.
Age, education years of farmer and record keeping in farm negatively and
significantly influenced use of agricultural credit, while frequency of visits
to provincial and district directorates of agriculture, participating in an
agricultural course, having a tractor, do agricultural insurance and membership
in Agricultural Credit Cooperatives positively significantly influenced use of
agricultural credit. According to these results, in order to increase farmers'
use of agricultural credit, young farmers should be trained on financial
literacy and access to credit, and bureaucratic practices that make access to
credit difficulties should be reduced.