Some determinants of the informal credit on rice production-distribution patterns among rice farmers in two Philippine villages
| dc.contributor.author | Ramesh Poudyal | |
| dc.date.accessioned | 2025-10-29T02:17:16Z | |
| dc.date.available | 2025-10-29T02:17:16Z | |
| dc.date.issued | 1989 | |
| dc.description.abstract | This study sought to determine the relationship of farmers' and farm characteristics of rice farmer-borrowers with the informal credit factors. Likewise, informal credit factors are envisioned to have relationship with some selected variables of rice, production and distribution. Two barangays of Manaoag, Pangasinan were purposively selected for this study. Purposive random sampling was used to draw a total of 168 rice farmer borrowers. The instruments used in data gathering were questionnaires and personal observation. Results of the study showed that majority of the respondents had low family income and had an average 5.37 years of schoolign. Their rice farming experience was 21.27 years and they had an average farm size of 0.8 ha. Majority (37%) of the farmers borrowed their credit from private money lenders in town. Majority (58%) of the respondents perceived high rate of interest. Likewise, findings also indicate that there was no need for extra collateral for creditors. Majority (66%0 of the respondents had fully paid; similarly, research data showed that almost the equal quantity of their production was allocated for stored and sold/paid to borrower-creditors. Results further revealed that farmers' and farm characteristics of the rice farmer-borrowers, specifically family income, rice farming experience, farm size, land tenure, irrigation availability and land value were significantly related with informal credit factors. Regarding the relationship between informal credit factors, specifically amount, duration, interest rate, collateral and repayment were significantly related with rice production. Likewise, relationship between informal credit factors and rice distribution pattern was seen significant. The major problems identified were high rate of interest, limited time for repayment (duration) and need for a guarantor. Respondents suggested that 1) more farmer cooperative should be established; 2) government should maintain optimum rate of interest; 3) optimum duration should be provided to the rice farmer-borrowers. | |
| dc.identifier.uri | http://granarium.clsu.edu.ph/handle/123456789/904 | |
| dc.language.iso | en | |
| dc.relation.supervisor | DR. ARTEMIA L. FERRER | |
| dc.title | Some determinants of the informal credit on rice production-distribution patterns among rice farmers in two Philippine villages | |
| dc.type | Thesis |