WSEAS Transactions on Business and Economics
Print ISSN: 1109-9526, E-ISSN: 2224-2899
Volume 21, 2024
Factors that Determine Farmers’ Access to Credit: Insights from Farmers in Kosovo
Authors: , , ,
Abstract: This study analyses the determinants of access to credit: Results from five regions of Kosovo
(Prishtina, Prizreni, Peja, Gjilani, and Mitrovica). The data at the farm level will be collected between March
and July 2023. A sample of 350 farms was selected for the survey using a multi-stage random sampling
method. This study used a linear regression model, frequency counts, chi-square tests, and percentages to
analyze the data. Access to agricultural credit is relatively low in Kosovo. The results of the study show that the
interest rate is the most important factor when it comes to obtaining a loan from farmers, while land ownership
has a negative association and reduces the constraints in accessing credit. The results of this study also show
that institutional lenders prefer agricultural credit to educated and young farmers to allocate resources
efficiently as they are more inclined to adopt new agricultural technologies to improve agricultural production.
Search Articles
Pages: 2747-2755
DOI: 10.37394/23207.2024.21.224