Factors Affecting Farm Credit Use

This study analyses the personal and farm characteristics that influence the use of farm credit the degree of indebtedness, and debt consolidation for U.S. farms, Whereas previous studies have examined supply side of agricultural credit using lender-based data. this study considers the demand side of agricultural credit Using representative fault-level data from the USDA's 2001 Agricultural Resource Management Study (ARMS). The results show that gross farm income, Ask management strategies, and operator's age and risk aversion had significant influences oil die likelihood of farm credit use by rural. residence, Intermediate. and commercial farms.