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An Exploration of the Informal Credit Practices for Agriculture in Afghanistan: Reasons for Availing Informal and not Availing Formal Credit
https://doi.org/10.15027/48741
https://doi.org/10.15027/4874110b32390-268a-4198-ae0a-9196b30500b3
| 名前 / ファイル | ライセンス | アクション |
|---|---|---|
JIDC_26-2_95.pdf (650.5 KB)
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| Item type | デフォルトアイテムタイプ_（フル）(1) | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 公開日 | 2023-03-18 | |||||||||
| タイトル | ||||||||||
| タイトル | An Exploration of the Informal Credit Practices for Agriculture in Afghanistan: Reasons for Availing Informal and not Availing Formal Credit | |||||||||
| 言語 | en | |||||||||
| 作成者 |
Masaood, Moahid
× Masaood, Moahid
× Maharjan, Keshav Lall
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| アクセス権 | ||||||||||
| アクセス権 | open access | |||||||||
| アクセス権URI | http://purl.org/coar/access_right/c_abf2 | |||||||||
| 権利情報 | ||||||||||
| 権利情報 | Copyright © 2020 Graduate School for International Development and Cooperation, Hiroshima University. 本紀要の一部・全部を問わず、著作権者（広島大学大学院国際協力研究科）の文章による許諾なしに複写・翻訳することを禁じます。 | |||||||||
| 主題 | ||||||||||
| 主題Scheme | Other | |||||||||
| 主題 | informal credit | |||||||||
| 主題 | ||||||||||
| 主題Scheme | Other | |||||||||
| 主題 | formal credit | |||||||||
| 主題 | ||||||||||
| 主題Scheme | Other | |||||||||
| 主題 | reasons | |||||||||
| 主題 | ||||||||||
| 主題Scheme | Other | |||||||||
| 主題 | Interest | |||||||||
| 内容記述 | ||||||||||
| 内容記述 | Access to finance is a prerequisite for agriculture development. However, the coverage of formal credit to agriculture is shallow in Afghanistan. Most of the cash-starved farmers rely on informal credit sources for obtaining inputs and consumption smoothening. This paper aims to explore and assess the various types of informal credit for agriculture in Afghanistan, the reasons for availing informal and not availing formal credit, and the challenges faced in the acquisition of informal credit. Data has been collected from a sample of 99 informal credit users from Behsood, Balkh, and Paghman districts in Afghanistan. Descriptive statistics were used for summarizing and comparison. To assess the reasons for availing informal credit and not availing formal credit, the Garrett ranking technique was worked out. The results revealed that the informal credit has two features, the cost-free credit, which was availed based on relations and mutual help, called Qarzi Hassana, and the credit in which the lenders sought profit, which had four types, Peshaki, Musawamah credit, Grawee, and Sudh. Easy availability was the main reason for availing informal credit. The religious constraints and lack of information were the main reasons for not availing formal credit. Furthermore, the limited amount of cash and short repayment period were the main problems in informal credit acquisition. Moreover, the farmers sensed dependency and inferiority for being informal credit users. There is a need for increasing financial awareness. Peshaki and Musawamah credit should be controlled and should be included as a financial product by the formal financial institutions. Furthermore, credit should be extended to the farmers in a sufficient amount and for a convenient repayment period. | |||||||||
| 言語 | en | |||||||||
| 出版者 | ||||||||||
| 出版者 | 広島大学大学院国際協力研究科 | |||||||||
| 言語 | ||||||||||
| 言語 | eng | |||||||||
| 資源タイプ | ||||||||||
| 資源タイプ識別子 | http://purl.org/coar/resource_type/c_6501 | |||||||||
| 資源タイプ | departmental bulletin paper | |||||||||
| 出版タイプ | ||||||||||
| 出版タイプ | VoR | |||||||||
| 出版タイプResource | http://purl.org/coar/version/c_970fb48d4fbd8a85 | |||||||||
| ID登録 | ||||||||||
| ID登録 | 10.15027/48741 | |||||||||
| ID登録タイプ | JaLC | |||||||||
| 収録物識別子 | ||||||||||
| 収録物識別子タイプ | ISSN | |||||||||
| 収録物識別子 | 1341-0903 | |||||||||
| 収録物識別子 | ||||||||||
| 収録物識別子タイプ | NCID | |||||||||
| 収録物識別子 | AN10482914 | |||||||||
| 開始ページ | ||||||||||
| 開始ページ | 95 | |||||||||
| 書誌情報 |
国際協力研究誌 Journal of International Development and Cooperation 巻 26, 号 1-2, p. 95-108, 発行日 2020-03-01 |
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| 見出し | ||||||||||
| 大見出し | 原著論文 | |||||||||
| 言語 | ja | |||||||||
| 見出し | ||||||||||
| 大見出し | Articles | |||||||||
| 言語 | en | |||||||||
| 旧ID | 48741 | |||||||||
