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Agricultural Lending Decision: A Multiattribute Analysis

Author

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  • Roger D. Stover
  • R. Kenneth Teas
  • Roy J. Gardner

Abstract

This paper examines the agdcultural loan decision process from the perspective of the individual loan officer. An analysis of this process concerns the relative effects of various criteria on the loan application and the degree to which tradeoffs are made among them by the loan officer. The theoretical model is empirically tested using a set of factorially designed combinations of these variables. This format avoids several of the problems previously encountered when the iending process has been empirically examined. The model not only exhibits a high degree of explanatory power but also permits important insights into this process.

Suggested Citation

  • Roger D. Stover & R. Kenneth Teas & Roy J. Gardner, 1985. "Agricultural Lending Decision: A Multiattribute Analysis," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 67(3), pages 513-520.
    • Handle: RePEc:oup:ajagec:v:67:y:1985:i:3:p:513-520.
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    File URL: http://hdl.handle.net/10.2307/1241070
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    Cited by:

    1. Amelie Jouault & Allen M. Featherstone, 2011. "Determining the Probability of Default of Agricultural Loans in a French Bank," Journal of Applied Finance & Banking, SCIENPRESS Ltd, vol. 1(1), pages 1-1.
    2. Escalante, Cesar L. & Brooks, Rodney L. & Epperson, James E. & Stegelin, Forrest E., 2006. "Credit Risk Assessment and Racial Minority Lending at the Farm Service Agency," Journal of Agricultural and Applied Economics, Southern Agricultural Economics Association, vol. 38(1), pages 1-15, April.
    3. Otima, Ruth M. A., 1994. "Predicting loan repayment performance: a case of Kenyan farm borrowers," ISU General Staff Papers 1994010108000018175, Iowa State University, Department of Economics.
    4. Tseng, Jauling, 1996. "Farmer-borrowers' selection of short- and intermediate-term loan contracts: traditional lenders versus nontraditional lenders," ISU General Staff Papers 1996010108000012129, Iowa State University, Department of Economics.
    5. Sonka, Steven T. & Khoju, Madhab R., 1989. "Empirical Studies Of Firm Viability, Profitability, And Growth," 1989 Conference, January 7-10, Tucson, Arizona 260159, Regional Research Committe NC-181: Determinants of Farm Size and Structure.

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