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Personality Characteristics and Successful Use of Credit by Farm Families

Author

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  • Kenneth R. Krause
  • Paul L. Williams

Abstract

Farm financial management and the use of credit are becoming more important; resource suppliers, including lenders, are seeking ways to better identify and appraise farm operators' and entrepreneurs' potential to successfully use farming resources and credit. A behavioral model that included motivation, ability, and biographic variables was tested on a group of South Dakota farm borrowers and their wives. The selected behavioral-personality variables are described and were related to change in financial position. The strongest results were obtained by including personality measures of both husbands and wives and suggest that personality variables can be developed for use in evaluation of farm credit applications.

Suggested Citation

  • Kenneth R. Krause & Paul L. Williams, 1971. "Personality Characteristics and Successful Use of Credit by Farm Families," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 53(4), pages 619-624.
    • Handle: RePEc:oup:ajagec:v:53:y:1971:i:4:p:619-624.
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    File URL: http://hdl.handle.net/10.2307/1237826
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    Citations

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    Cited by:

    1. Brake, John R. & Melichar, Emanuel, 1977. "Agricultural Finance and Capital Markets," A Survey of Agricultural Economics Literature, Volume 1: Traditional Fields of Agricultural Economics 1940s to 1970s,, Agricultural and Applied Economics Association.
    2. Boratyńska, Katarzyna & Grzegorzewska, Emilia, 2018. "Bankruptcy prediction in the agribusiness sector: Lessons from quantitative and qualitative approaches," Journal of Business Research, Elsevier, vol. 89(C), pages 175-181.
    3. Josep M. Argilés, 1998. "Accounting information and the prediction of farm viability," Economics Working Papers 277, Department of Economics and Business, Universitat Pompeu Fabra.
    4. Ajwa, Martine Therese, 1991. "Variables to predict success: a model of farm families," ISU General Staff Papers 1991010108000017628, Iowa State University, Department of Economics.
    5. Blackburn, Donald J. & Brinkman, George L. & Driver, Herbert C., 1978. "Farm Business, Behavioural and Participation Characteristics of Limited Resource Farmers," Working Papers 245003, University of Guelph, Department of Food, Agricultural and Resource Economics.
    6. Josep M. Argilés, 2002. "Importancia de la información contable para el análisis y predicción de la viabilidad de las explotaciones agrícolas," Economics Working Papers 612, Department of Economics and Business, Universitat Pompeu Fabra.
    7. Mário Santiago Céu & Raquel Medeiros Gaspar, 2022. "Vegetative cycle and bankruptcy predictors of agricultural firms," Agricultural Economics, Czech Academy of Agricultural Sciences, vol. 68(12), pages 445-454.
    8. Brake, John R. & Melichar, Emanuel, 1977. "PART VI. Agricultural Finance and Capital Markets," AAEA Monographs, Agricultural and Applied Economics Association, number 337218, january.
    9. Silvia Ștefania Maican & Andreea Cipriana Muntean & Carmen Adina Paștiu & Sebastian Stępień & Jan Polcyn & Iulian Bogdan Dobra & Mălina Dârja & Claudia Olimpia Moisă, 2021. "Motivational Factors, Job Satisfaction, and Economic Performance in Romanian Small Farms," Sustainability, MDPI, vol. 13(11), pages 1-23, May.

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