Wiarygodność Kredytowa Rolników Indywidualnych. Analiza Komparatywna na tle Przedsiębiorców Ondywidualnych
No hay miniatura disponible
Fecha
Autores
Título de la revista
ISSN de la revista
Título del volumen
Editor
Resumen
Descripción
The aim of the paper is to evaluate the creditworthiness of farmers as a group of credit takers in
comparison to a group of individual entrepreneurs. As a proxy of creditworthiness, the share of impaired credits
in total debt was taken. The analyses showed that farmers’ creditworthiness is much higher than individual
entrepreneurs. This phenomenon stems from the fact that the farm is an economic base for the existence of
farmer’s household and the farmer generally does his best to repay debt even at cost of consumption. The
regular income subsidies under the CAP are the other reason. Moreover, the additional sanctions connected
to repayment of the preferential credits discipline farmers who taken such credits.