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Agriculture credit is a more than enough book which will supply the rationale for the all researchers, academicians and industrialist with reference to this area. The book concentrates on the an assortment of concerns interconnected to agriculture credit like economics and significance of agriculture in the national economy, evolution of institutional credit to agriculture, importance of agricultural credit, agriculture credit delivery system in India, key indicators/input factors of agriculture sector, the impact of agricultural credit, challenges and outlook of agriculture the book over and done with that there is constructive association stuck between agricultural credit expenditure and income from agriculture and service. Also, there is affirmative rapport between institutional credit admittance and dimension of holding. The fiscal institutions provide credit more in the course of meandering foundations for farmers in the appearance of investment to fertilizer, authority and irrigation sub-sectors. The issue of the book has been tailored from a variety of Indian and foreign books, journals and periodicals. I am obliged to many erudite scholars, authors and government and private agencies whose input really enthused me to write this book. The arrangement of this book has been made intentionally straightforward and articulate to lend a hand the all anxious area individuals to comprehend all the impressions and its appliance and magnitude. Enough data with fitting source and apposite embellishment make the fretful persons get pleasure from the interpretation. It is likely that this book will take delivery of wide reception from all researchers, academicians and industrialist pertaining to it because of it's extensive in the person who reads its gracious approach.
`This is a "must read" for anyone interested in value chain finance.---Kenneth Shwedel, Agricultural Economist --Book Jacket.
Originally published in 1985, twenty-three chapters are brought together in 4 parts dealing with, respectively, problems in rural finance, interest rate policies, politics and finance, and new directions for rural financial markets. In an introduction it is argued that cheap and abundant credit is often regarded as essential for rural development but that actions taken on the basis of this assumption have given disappointing results. Low-interest policies and the improper use of financial markets are seen as the principal reasons for this. It is recommended that higher and more flexible interest rates are allowed and that little or no attention is given to target loans. Informal lenders are thought to offer valuable services therefore they should not be discouraged. More emphasis should be put on voluntary savings mobilization and access to formal loans by non-farm rural firms. It is concluded that many traditional agricultural credit programmes are counterproductive and that attractive product and input prices together with higher yields would be more powerful in stimulating agricultural development.
This textbook integrates financial economics and management in the area of agricultural finance. The presentation of financial economics discusses how the credit needs of farmer/borrowers are met by depositors through commercial banks. The financial management content presents methods used to make farm financial decisions including farm accounting, capital budgeting, and the analysis of risk. The textbook begins by developing the farm financial market focusing primarily on the market for debt. Next, the textbook presents an overview of accounting concepts important for the credit market. The accounting section provides a detailed discussion of the Farm Financial Standards Council’s suggestions for agricultural financial statements. Following the financial accounting, the book presents the use of ratio analysis applied to the farm firm. Next, the text describes capital budgeting followed by an introduction to risk analysis. Finally, the book presents the effect of debt decisions on the farm firm. In addition to the primary topics, the textbook includes a discussion of agricultural banking and monetary policy and an analysis of the choice of historical cost and market valued accounting methodologies on the farm debt decision.
This comprehensive overview of local food systems explores alternative definitions of local food, estimates market size and reach, describes the characteristics of local consumers and producers, and examines early indications of the economic and health impacts of local food systems. Defining ¿local¿ based on marketing arrangements, such as farmers selling directly to consumers at regional farmers¿ markets or to schools, is well recognized. Statistics suggest that local food markets account for a small, but growing, share of U.S. agricultural production. For smaller farms, direct marketing to consumers accounts for a higher percentage of their sales than for larger farms. Charts and tables.