IDEAS home Printed from https://ideas.repec.org/p/isu/genstf/198101010800001128.html
   My bibliography  Save this paper

The Agricultural Lending Decision: A Multiattribute Analysis

Author

Listed:
  • Stover, Roger D.
  • Teas, R. Kenneth
  • Gardner, Roy J.

Abstract

The role of commercial bank lending in financing the farm production sector is an issue of growing importance. During the past several years, farm operators have become more capital intensive, thus requiring more loans to fund not only seasonal plantings but also capital expansion. While one area of research (Linsj Penson; Hesser 'and Schuh) has focused on the determinants of aggregate loan demand, subsequent work (Boehlje and Fisherj Boehlje, Harris and Hoskins) has concentrated on such demand in local financial markets. Despite this re search on financial market behavior, relatively little has been done to model and empirically test the decision process of individual lending officers in this market. Existing studies (i.e., Barry, Baker, and Sanint; Sonka, Dixon, and Jones).have concentrated primarily on.credit analysis of farm firms. The objective of this paper is to expand on existing research by incorporating the inter acting effects of credit considerations, market conditions, collateral and pricing into the decision process of the individual loan officer when faced with an array of farm loan situations.

Suggested Citation

  • Stover, Roger D. & Teas, R. Kenneth & Gardner, Roy J., 1981. "The Agricultural Lending Decision: A Multiattribute Analysis," ISU General Staff Papers 198101010800001128, Iowa State University, Department of Economics.
    • Handle: RePEc:isu:genstf:198101010800001128
    as

    Download full text from publisher

    File URL: https://dr.lib.iastate.edu/server/api/core/bitstreams/b0ebdc0e-7f48-44af-93ea-5de47dec45c6/content
    Download Restriction: no
    ---><---

    Other versions of this item:

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    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. 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.
    3. 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, Cambridge University Press, vol. 38(1), pages 61-75, April.
    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.

    More about this item

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:isu:genstf:198101010800001128. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Curtis Balmer (email available below). General contact details of provider: https://edirc.repec.org/data/deiasus.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.