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132 Substituting the formula for se (P,) from equation (4) in (10), A = /(. x/[(Ex )(ExI)(Exx 2)] Substituting the formula for se (P32) from equation (5) in (11), ^.o p -t.' o ,'.,,/ (. i)( ) ''x ,,P2 P, t,. ° P2 / I y= r_-) ,,, . ._____- . ( X'() (I) () .x- x and ___ - (rxx2- x x 1 -£ Therefore, equations (14) and (15) are equivalent. (12) (13) and (14) (15)
Appendix 2 Reasons for Delinquency in Repayment of Agricultural Loans in Selected Countries Region/Countzy High r'etinquency Sutb-Saharan Africa Low-income countries Ethiopia, Chilalo Elhiopia, Minimum Package Programme (MPP) Upper Volta Middle-income countries Kenya, the Viltiga Asia Low-income countries Bangladesh India Reason Loan program expanded rapidly; failure to take first defaulters to court on account of lack of full support and cooperation of local institutions; requiretci t of down payment for loans; profitability of cereals lower than expected due to declining prices; lack of constttnjptio, credit. Requirement of down payment for loans; lower than expected profitability on cereals due to declining prices; lack of consumption credit. Delay in loan sanction; low crop yield; adverse weather; delay in getting animal traction package. Improper identification of farmers who did not really need credit; lower than expected profitability of the maize enterprise because of inadequate credit for hiring labor for land preparation and more than adequate credit for fertilizers. Unsound lending; inadequate supervision; natural calanities; diversion of loans; unwillingness to repay. Failure to tie up lending with development programs and with productive investment; ineffective, unrealistic, and faulty loan recovery policies; lack of iiarket tie-tips including that for inputs; lack of supervisiol; delayed loan 133
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,AFOOD POLICY EVIEWl Institutional
Page 3 and 4:
FOOD POLICY REVIEW 1 Institutional
Page 5 and 6:
Chapter One Chapter Two Chapter Thr
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15. Unit transaction costs, unit ir
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47. Relative importance of intcecst
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Foreword Thiis report introduces a
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1 Summary This study analyzes two a
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3 Six organizational principles for
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2 Introduction Finance and Economic
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An obvious problem innate to an act
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9 Selection of Theme and Issues for
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I1 TIhe issue of scale economies is
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13 There is also a problem of indiv
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15 Figure I-Share of borrowing of f
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17 Figure 2-Share of'agricultural l
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19 specific or economywile developm
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Table 1- Continued 21 Region, Count
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Table 2-Continued Government Nation
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25 regional without higher or lower
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27 Caribbean, compared with Asia. T
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Table 3 -Continued Proportion of Pe
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31 LICs (including Bangladesh, Indi
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33 Functional Structure of RFIs and
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35 approximated from available lite
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Figure 3-Stylized organizational fr
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5 Transaction Costs, Profitability,
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411 or fiom new borrowers. Moreover
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43 Table 6-Unit transaction costs o
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45 tiotis largely by borrowing fi'o
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47 Table 9 -Transaction costs of br
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49 'T7heSonali Bank's unit uct marg
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Table 14-Estimated parameters of th
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53 PACS) was established ill March
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55 Table 16-Deposit growth rates of
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57 rIIIIal Output (28 p)Celt) and o
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59 Although APS loans were dominant
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Table 2 0-Pattern of loans advanced
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63 Table 2 1- Unit profit and unit
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65 resources are mainly channeled t
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67 Table 25-Various costs, gross ma
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69 BAAC also en1joyced sc.;le ,~ol
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71 iuzividual farmers at the distri
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73 Agriculture and Cooperatives 197
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75 like the county and plimaly coop
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77 Table 33-Transaction and financi
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79 Table 3 6 -Structure of assets a
Page 93 and 94: Response of Rural Loan Demand to In
Page 95 and 96: 83 Table 3 9-Estimated multivariate
Page 97 and 98: 85 Table 40-Estimated multivariate
Page 99 and 100: 87 separate deteriminants of demand
Page 101 and 102: Table 4 1-Continued Type of Demand,
Page 103 and 104: Table 4 1-Confinued Type of Demand,
Page 105 and 106: Table 4 2 -Evidence on interest ela
Page 107 and 108: 7 Response of Supply of Rural Depos
Page 111 and 112: 99 Table 4 6-Relative importance of
Page 113 and 114: 101 I1e positivc respolse of supply
Page 115 and 116: Table 48- Continued 103 eBased on t
Page 117 and 118: Table 4 9 -Pattern of total rural s
Page 119 and 120: 107 is substantial saving even in d
Page 123 and 124: 111 nient), and lastly, the inverse
Page 125 and 126: 113 Table 54-Positive and negative
Page 127 and 128: 9 Flow of Funds of the Rural Financ
Page 129 and 130: 117 interest I'evellie and payment.
Page 131 and 132: Table 5 5 -Continued 119 cin scenar
Page 133 and 134: 10 Conclusions and Implications ase
Page 135 and 136: 123 differential increase in demand
Page 137 and 138: 125 can be attained. Multifunctiona
Page 139 and 140: 127 fully achieved. Had the institu
Page 141 and 142: 129 so doing, improvements in verti
Page 143: The standard error of The standard
Page 147 and 148: Region/Country 135 Reaso.z Near Eas
Page 149 and 150: References Abbott, J. C. 1 9 7 3a.
Page 151 and 152: 139 Aku, P. S. 1986. Lending to far
Page 153 and 154: 141 Caibbean Country Department II,
Page 155 and 156: 143 144. Princeton, N.J., U.S.A.: W
Page 157 and 158: 145 1975. Agriculturalcredit in Asi
Page 159 and 160: __ 147 Gurley, J. G., and E. S. Sha
Page 161 and 162: 149 G. Hunter and A. F. Bottrall, 5
Page 163 and 164: 151 Lee, T. Y., D. H. Kim, and D. W
Page 165 and 166: 153 __ _. 1976. The new economics o
Page 167 and 168: 155 Olu, W. 1985. Formal credit and
Page 169 and 170: __ 157 Rao, B. P. 1970. The economi
Page 171 and 172: 159 Singh, G., and S. R. Asokan. 19
Page 173 and 174: -- 161 Verghese, S. K. 1983. tivfit
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