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Credit Fungibility and Credit Margin of Investment: The Case of Subsistence Farmers in Khyber Pakhtunkhwa

Credit Fungibility and Credit Margin of Investment: The Case of Subsistence Farmers in Khyber Pakhtunkhwa

Shahab e Saqib1*, Himayatullah Khan2, Sanaullah Panezai3, Ubaid Ali4 and Mazhar Ali5 

1Doctoral Student, Regional and Rural Development Planning (RRDP), School of Environment Resources and Development (SERD), Asian Institute of Technology (AIT), Thailand; 2Institute of Development Sciences (IDS), Agricultural University Peshawar, Khyber Pakhtunkhwa, Pakistan; 3Department of Disaster Management and Development Studies, University of Balochistan, Quetta, Pakistan; 4Higher Education Department, Khyber Pakhtunkhwa, Pakistan. 5Disaster Preparedness, Mitigation and Management (DPMM), Asian Institute of Technology (AIT), Thailand.

shahabmomand@gmail.com  

ABSTRACT

In developing countries, credit fungibility is a crucial issue in agricultural credit market, and Pakistan is no exception. The aim of this study is to explore the credit fungibility and credit margin of investment among different farmers’ group in Khyber Pakhtunkhwa. The data were collected from 87 subsistence farmers in Mardan sub-district. Multistage sampling technique was used to select the study area. A standardized questionnaire was used to collect data from farming households’ heads. Credit fungibility ratio and ANOVA were used to explore the credit fungibility and credit margin of investment among the groups of farmers. Results showed that a considerable proportion of loan was used in non-agricultural activities by all farmers in general and small farmers in particular. The findings of the study suggest that a strong monitoring of farmers is needed in the study area. In addition, farmers may be supplied in-kind agricultural credit to control credit fungibility. 

 

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Sarhad Journal of Agriculture (Associated Journal)

September

Vol. 33, Iss. 3, Pages 338-500

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