For several decades, the government has sought to develop the agriculture sector through programs like agrarian reform, agricultural modernization and rural finance, but farmers and fisherfolk remain to be the poorest sector in the Philippines. This paper seeks to explore ways to improve small...

The paper empirically investigates credit access and borrowing costs in Poland's rural financial market. We conduct an econometric analysis based on cross-sectional survey data including formal loans taken in the period 1997-1999. A hedonic regression of the effective interest rate, comprising...

Agriculture took place on land, where crops, rising and rearing animals for the production of food for man and industries. But to run all the activities credit is the main stream. In most of the developing countries credit played a very important role in economic growth. This study is designed...