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Journal articles on the topic 'Credit Utilization'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Agarwal, Sumit, Brent W. (Brent William) Ambrose, and Chunlin Liu. "Credit Lines and Credit Utilization." Journal of Money, Credit, and Banking 38, no. 1 (2006): 1–22. http://dx.doi.org/10.1353/mcb.2006.0010.

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2

Kabayiza, A., G. Owuor, K. J. Langat, P. Mugenzi, and F. Niyitanga. "Does credit utilization lead to increasing farm outcome? a micro-perspective of tea production from Rwanda." Agro-Science 20, no. 2 (2021): 92–100. http://dx.doi.org/10.4314/as.v20i2.15.

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Credit is a crucial factor for tea growers to pay for physical farm inputs mainly input fertilizers, research and development of high yielding tea clones and labour in order to improve the production of green tea leaf and to meet factories’ demand for raw materials. However, mismanagement of accessed credits by farmers has been reported among the snags affecting the sector development. The study analyzed the determinants and impact of credit utilization on farm income among smallholder tea growers in Nyaruguru District, Rwanda. Crosssectional tea household level data were collected from 358 fa

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AKIMANA, Lahaï Roy Avel. "Analysis of the Relationship between Women Access of Micro Credit and Women Utilisation of Micro Credit in Rwanda." Global Journal of Research in Humanities & Cultural Studies 3, no. 1 (2023): 5–23. https://doi.org/10.5281/zenodo.7658384.

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The study aimed to analyze of the relationship between women access of micro credit and women utilization of micro credit in Rwanda specifically to determine the level of women access to microfinance in BRAC Microfinance, to establish the factors influencing women‘s utilization of microfinance BRAC Microfinance and to analyze the relationship between women‘s access to microfinance and women‘s utilization of microfinance in BRAC Microfinance. The study adopted a descriptive research design. The study population was 1200 BRAC Microfinance women customers; a sample of 64 respond

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Akinrotimi, Abiodun Festus, Ife Oluwasina Adeyemi, Olanrewaju Peter Oladoyin, and Tolulope Seun Olubunmi-Ajayi. "Assessment of Gender Inclusion in Credit Utilization among Farmers in Ondo State, Nigeria." Asian Journal of Advances in Agricultural Research 24, no. 11 (2024): 40–48. http://dx.doi.org/10.9734/ajaar/2024/v24i11562.

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This study evaluates gender inclusion in credit utilization among farmers in Ondo State, Nigeria. The research aimed to analyze the nature of credit accessed, identify factors influencing credit utilization and access, and assess the constraints faced by male and female farmers. Data were collected from 120 farmers using a structured questionnaire and analyzed using descriptive statistics, linear regression, and logit regression models. Findings revealed that male farmers were more likely to access both formal and informal credit than female farmers, with 79.3% of males applying for credit com

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Al-Zoubi, A. Y., and Mamoun Aldmour. "Refining the Process of Credit Transfer of MOOCs with the Utilization of ChatGPT and Blockchain." International Journal of Emerging Technologies in Learning (iJET) 18, no. 18 (2023): 23–34. http://dx.doi.org/10.3991/ijet.v18i18.43089.

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Transferring credits between universities worldwide is challenging and time consuming, and usually follows strict and complicated administrative guidelines. Students may encounter severe difficulties during such a process, primarily if they rely on those credits to transfer to another school or graduate on time. Universities may also find it challenging to compare massive online open courses (MOOCs) to courses offered in their traditional programs due to the need for more uniformity in course content and academic rigor. Administrators and professors may struggle to determine whether students h

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Lokesha and Iqbal Thonse Hawaldar. "Impact of factors on the utilization of agricultural credit of banks: an analysis from the borrowers’ perspective." Banks and Bank Systems 14, no. 1 (2019): 181–92. http://dx.doi.org/10.21511/bbs.14(1).2019.16.

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Agricultural credit is required for the development of agriculture scenario in any economy. Commercial, cooperative and regional rural banks have extended agricultural credit to the farmers in Dakshina Kannada district of India. The effectiveness of agricultural credit system depends on the utilization of credit funds by the borrowers. The present study made an attempt to understand the factors influencing the utilization of agricultural credit of banks in Dakshina Kannada. The study used primary and secondary data. Primary data are gathered from the borrowers of banks operating in Dakshina Ka

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Voloshyn, I. "Predicting the Utilization Rate and Risk Measures of Committed Credit Facilities." Visnyk of the National Bank of Ukraine, no. 240 (June 25, 2017): 14–21. http://dx.doi.org/10.26531/vnbu2017.240.014.

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This study proposes a model for predicting the expected drawn amount of credit facilities. To model the committed credit facilities we rely on the conditional expected utilization rate derived from a joint truncated bivariate probability distribution. The expected monthly liquidity conversion factors for corporate credit lines are compared to actuals and the bivariate normal distribution is concluded to be appropriate for a practical estimate of the future utilization rate.

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ASHIS, KUMAR SA, and NAMITA SHARMA Dr. "A STUDY ON INDEBTEDNESS OF AGRICULTURAL HOUSEHOLD AND UTILIZATION PATTERN OF INSTITUTIONAL CREDIT ON THE BASIS OF SIZE OF OPERATIONAL HOLDINGS." Seybold Report Journal 18, no. 03 (2023): 2278–86. https://doi.org/10.5281/zenodo.8242830.

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This study examines the debt patterns of agricultural households and their use of institutional credit in different categories of landowners, namely small, marginal, medium, medium and large. The indebtedness of farm households has significant implications for their financial stability, productivity, and overall welfare. By analyzing the different levels of debt and the use of institutional credit, this study sheds light on the financial dynamics of farm households. Preliminary findings suggest access to credit increases as farm size increases, marginal & small farmers need short term cred

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ASHIS, KUMAR SA, and NAMITA SHARMA Dr. "A STUDY ON INDEBTEDNESS OF AGRICULTURAL HOUSEHOLD AND UTILIZATION PATTERN OF INSTITUTIONAL CREDIT ON THE BASIS OF SIZE OF OPERATIONAL HOLDINGS." Seybold Report Journal 18, no. 03 (2023): 2278–86. https://doi.org/10.5281/zenodo.8348593.

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<strong>Abstract</strong> This study examines the debt patterns of agricultural households and their use of institutional credit in different categories of landowners, namely small, marginal, medium, medium and large. The indebtedness of farm households has significant implications for their financial stability, productivity, and overall welfare. By analyzing the different levels of debt and the use of institutional credit, this study sheds light on the financial dynamics of farm households. Preliminary findings suggest access to credit increases as farm size increases, marginal & small fa

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10

Meghana, Y. L., J. J. Makadia, and N. A. Kalola. "Credit utilization pattern of Kisan Credit Card in South Gujarat." INTERNATIONAL RESEARCH JOURNAL OF AGRICULTURAL ECONOMICS AND STATISTICS 9, no. 1 (2018): 31–34. http://dx.doi.org/10.15740/has/irjaes/9.1/31-34.

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11

Javed, Iqbal, Mudassar Yasin, Muhammad M. Hayat, Manzoor Raza, Shahbaz Ahmad, and Durdana Q. Gilani. "Determinants of Agricultural Credit Utilization among Small Farm Holders: An Evidence from Southern Punjab, Pakistan." Journal of South Asian Studies 10, no. 3 (2022): 307–15. http://dx.doi.org/10.33687/jsas.010.03.4431.

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The agricultural credit has a significant impact on agricultural productivity. Credit constraints should be reasonably minimized so that small farmer can easily get loans. This study investigates the determinants of utilization of agricultural credit among small farm holders in southern Punjab, Pakistan. A total sample of 200 small farmers is selected for data collection. An appropriate pretested questionnaire was used for data collection. The data collection was done by tanking direct interviews by using a convenient sampling technique. District Multan was selected from the southern Punjab of

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12

Yang, Zhen. "Utilization of Quantization Method on Credit Risk Assessment." Applied Mechanics and Materials 472 (January 2014): 432–36. http://dx.doi.org/10.4028/www.scientific.net/amm.472.432.

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Credit risk assessment is critical factor in credit risk management, which has played a key role in financial and banking industry. Many classification methods are used in credit risk assessment aiming to establish classifiers to predict the credit state of the corporate (good or bad). However, most of classification methods can not handle continuous variables. So, continuous variables must be quantified. In this paper, we first propose an improved quantization method, namely IDM, based on the statistical independence; then we use data mining techniques, i.e., C4.5 decision tree, Naive-Bayes a

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Sevim, Cuneyt, Aykut Ekiyor, and Ali Tosyali. "As A Supply Chain Financing Source, Trade Credit and Bank Credit Relationship during Financial Crises from Clustering Point of View." International Business Research 9, no. 4 (2016): 45. http://dx.doi.org/10.5539/ibr.v9n4p45.

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<p>This paper examines trade credit and bank credit behavior of firms during financial crisis using World Bank Survey dataset that contains detailed data on trade credit utilization of firms. Unlike literature, cluster analysis is used in order to investigate credit behavior of firms during financial crisis. For better clustering results, feature selection method is used to select variables thought to be important on model. When examined the trade and bank credit behavior of clusters that have been formed by using these variables with clustering analysis, it has been found that impact of

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Dr., Dev Raj Jhajhria. "Disaggregated Analysis of Agricultural Credit Distribution and Utilization in Rajasthan." International Journal of Innovative Research and Creative Technology 2, no. 5 (2016): 1–10. https://doi.org/10.5281/zenodo.13255206.

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This research paper provides a comprehensive analysis of agricultural credit distribution and utilization in Rajasthan, focusing on the disparities and determinants influencing access and impact. The study examines the extent and effectiveness of credit allocation across various regions and farmer demographics, utilizing quantitative data from government reports and academic studies. Findings reveal significant regional and socio-economic disparities, with access to credit being higher in irrigated areas compared to arid regions. The paper explores the effects of credit on agricultural product

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Srivani, K. "Utilization Trends of the Kisan Credit Card (KCC) Beneficiaries." Asian Journal of Agricultural Extension, Economics & Sociology 41, no. 9 (2023): 712–21. http://dx.doi.org/10.9734/ajaees/2023/v41i92095.

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One of the most essential resources in contemporary agriculture is credit. As a result, there is a need to expand agricultural finance, boost land productivity, and raise the potential and effectiveness of using water resources for agricultural output. Credit is needed, among other things, for the adoption of agricultural technology, the purchase of contemporary inputs and tools, the development of land, the purchase of animals, and the purchase of raw materials. By enabling farmers to satisfy their credit needs throughout the whole cycle of crop production and at the same time providing money

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16

Chaiya, Chitralada, Sikandar Sikandar, Pichate Pinthong, Shahab E. Saqib, and Niaz Ali. "The Impact of Formal Agricultural Credit on Farm Productivity and Its Utilization in Khyber Pakhtunkhwa, Pakistan." Sustainability 15, no. 2 (2023): 1217. http://dx.doi.org/10.3390/su15021217.

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Agricultural mechanization and the use of mixed inputs ensure higher productivity. In this regard, the Government of Pakistan has executed an approach for the provision of agricultural credit to smallholders for improving agricultural production. However, many issues are involved in the extent, utilization and impacts of credit. This study aims to explore the impact of credit, its utilization, misuse and factors determining the extent of agricultural credit in Pakistan. A semi-structured questionnaire was developed to collect data from 316 farmers in Mardan District. The study was analyzed thr

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Madhulagna, Sikha, and Sibanarayan Mishra. "Constraint Analysis of Accessibility and Utilization of Agricultural Credit and Associated Socio-economic Traits in Puri District of Odisha, India." Asian Journal of Advances in Agricultural Research 24, no. 5 (2024): 21–33. http://dx.doi.org/10.9734/ajaar/2024/v24i5504.

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The study aimed at investigating constraints in access to institutional agricultural credit and pattern of utilization of the credit obtained by the farmers in the state of Odisha. With the application of multi stage random sampling technique, 175 farmers are selected for the analysis of the study. Descriptive statistics, Credit Adequacy Ratio have been employed in the study to identify the constraints in accessibility of credit for different groups of farmers. An index used by Lalhunthara & NVR [1] is employed in the study to find out major difficulties faced by the farmers. Descriptive s

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18

Safitri, Ika Diah Ayu, Wiludjeng Roessali, and Titik Ekowati. "ANALISIS PENDAPATAN USAHA PENGGEMUKAN SAPI POTONG YANG MENDAPAT DUKUNGAN KREDIT TUNDA TEBANG (KTT) DI KABUPATEN SEMARANG." JSEP (Journal of Social and Agricultural Economics) 12, no. 2 (2019): 17. http://dx.doi.org/10.19184/jsep.v12i2.11465.

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This study aims to analyze the utilization of delayed logging credit, analyze the R/C ratio, farmer income and net income for farmers who receive and do not receive credit support for fattening beef cattle. The study was conducted in December 2018 - January 2019 in Polosiri Village, Bawen District and Kawengen Village, East Ungaran District, Semarang Regency. Research method is sencus with 31 respondents who received credit support and 37 respondents did not receive credit support. Data were analysed by credit utilization analyze for liverstock and non livestock businesses, R/C ratio, farmer i

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Wandmacher, Ralf, Yvonne Thorhauer, Christian Sturm, Mareike Driessen, Dominique Soine, and Tim Goerke. "A GLOBAL COMPARISON OF CREDIT BUREAUS BASED ON DATA UTILIZATION IN CREDIT SCORING." International Journal of Banking and Finance 20, no. 1 (2024): 23–38. http://dx.doi.org/10.32890/ijbf2025.20.2.2.

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The basic concept of credit scoring is to assess an individual`s payment ability as well as the specific individual`s credit default risk, hence determining an individual`s creditworthiness. Based on the credit score, financial institutions, insurance companies, telecommunication companies and other businesses decide whether consumers are eligible for a mortgage, credit card, auto loan, and other credit products. However, in many countries, potential tenants and insurance applicants also use credit scores extensively for screening. Accordingly, Credit Bureaus (CB) or Consumer Reporting Agencie

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20

Mondal, MAH, MM Ali, and ABM Shamsuddin. "Credit utilization pattern and repayment behavior of the fish farmers in Mymensingh and Kishoreganj districts." Journal of the Bangladesh Agricultural University 10, no. 2 (2013): 349–54. http://dx.doi.org/10.3329/jbau.v10i2.14928.

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The study was conducted to assess the credit utilization pattern and repayment behavior of the fish farmers in Mymensingh and Kishoreganj districts during January to December, 2009. Data were collected from 600 fish farmers, 300 each from each district by employing stratified random sampling technique. Credit utilization rate in Mymensingh district was 49.04%, 56.73% and 70.29% in case of small, medium and better-off farmers, respectively. In Kishoreganj district, small, medium and better-off farmers utilized their credit money to the extent of 48.02%, 56.12% and 57.08%, respectively. Fifty ei

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21

Yang, Shaoxiong, Huiling Wang, Zhengxiao Wang, Mansoor Ahmed Koondhar, Linxue Ji, and Rong Kong. "The Nexus between Formal Credit and E-Commerce Utilization of Entrepreneurial Farmers in Rural China: A Mediation Analysis." Journal of Theoretical and Applied Electronic Commerce Research 16, no. 4 (2021): 900–921. http://dx.doi.org/10.3390/jtaer16040051.

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E-commerce furnishes farmers in rural China with a novel solution accomplishing entrepreneurship transformation, but serious credit constraints still coexist with it at present, which may restrict the release of e-commerce’s potential. Therefore, this study investigates whether formal credit promotes entrepreneurial farmers’ e-commerce utilization and explores its influencing mechanism. Based on the survey data collected from 831 entrepreneurial farmers in Shaanxi province, Ningxia province and Shandong province in rural China, the propensity score matching (PSM) method was applied to measure

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22

Hardin, III, William, and Matthew Hill. "Credit Line Availability and Utilization in REITs." Journal of Real Estate Research 33, no. 4 (2011): 507–30. http://dx.doi.org/10.1080/10835547.2011.12091315.

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23

Singh, Pukhraj, Dushyant Kumar, Lalit Kr Verma, and Nitin Kr Nag. "Utilization Pattern of Kisan Credit Card (KCC) in Baghpat district of Uttar Pradesh." International Journal of Agricultural Invention 3, no. 02 (2018): 158–60. http://dx.doi.org/10.46492/ijai/2018.3.2.11.

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The Kisan Credit Card scheme introduced in the year 1998 with the objective of fulfillment of credit requirement of the farmers in hassle-free manner for raising agricultural production. There has been tremendous increase in number of Kisan Credit Cards in the rural areas during the last five years. Keeping the importance of KCC, the present study was an attempt to assess utility of KCC as perceived by the farmers. The present investigation was carried out in Baghpat district of Utter Pradesh state with a sample of 120 farmers. The study revealed that the utilization of Kisan Credit Card (KCC)

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Peter Oladoyin, Olanrewaju, Oluwatosin Omotola Ajayi, Ajolola Taibat Ibrahim, and Emmanuel Adesina Borokini. "Determinants and Impact of Credit Utilization among Rural Cocoa Farmers: Evidence from Ondo State, Nigeria." International Journal of Research and Innovation in Social Science IX, no. IV (2025): 2651–63. https://doi.org/10.47772/ijriss.2025.90400197.

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Access to agricultural credit remains a pivotal driver of productivity and income growth among smallholder farmers in Sub-Saharan Africa. This study investigates the determinants and impact of credit utilization among cocoa farmers in the Akoko Southwest Local Government Area, Ondo State, Nigeria. Using primary data from 150 respondents selected through a multistage sampling technique, the analysis employed descriptive statistics, cost-return analysis, and binary logistic regression to evaluate credit access, usage patterns, and profitability outcomes between credit users and non-users. Result

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Hoque, Md Ashraful, Syful Islam, Md Shofiqul Islam, Md Imrul Kaysar, and Ashraful Alam Fakir. "Effects of diverse land tenant types on agricultural credit receipt and its utilization: a case study from Mymensingh district of Bangladesh." Asian-Australasian Journal of Food Safety and Security 6, no. 1 (2022): 18–26. http://dx.doi.org/10.3329/aajfss.v6i1.59782.

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Agricultural credit usually plays a crucial role in using optimal rates of production inputs especially for resource poor farmers. The present study aims to investigate the impact of diverse land tenant types on agricultural credit receipt as well as adequacy and utilization of receipt credits. A total of 60 samples were randomly selected for interview from Sadar Upazila of Mymensingh district. The study found three types of land tenants: owner-tenant, tenant-owner and pure-tenants. The result shows that the highest percentage of land was controlled by tenant-owner (56%) followed by owner-tena

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Hadianto, Bram, Herlina Herlina, Ana Mariana, Rully Arlan Tjahyadi, and Lauw Tjun Tjun. "Financial literacy, self-control, self-esteem, and credit card utilization." Humanities and Social Sciences Letters 11, no. 3 (2023): 349–61. http://dx.doi.org/10.18488/73.v11i3.3515.

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This study combines one personal financial management concept, money-related literacy, and psychological ideas, i.e., self-control and self-esteem, in one model to be statistically associated with credit card behavior by utilizing gender as the control variable. Therefore, this study investigates and analyses the effect of financial literacy, self-control, and self-esteem on credit card usage. Furthermore, this study employs 120 bank employees as samples, taken by a snowball sampling technique. Besides, this study surveys their perspective based on the close-ended questions in the questionnair

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Mungai, Susan Mumbi, and Dr Peter Njuguna. "Influence of Non-Accounting Information on Credit Decisions of Microfinance Banks in Kenya." International Journal of Research and Innovation in Social Science VII, no. VI (2023): 668–86. http://dx.doi.org/10.47772/ijriss.2023.7651.

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Supporting the operation and administration of microfinance banks over a lengthy of time is becoming a rather difficult and challenging concern for microfinance banks in developing countries. Among other issues, their customers’ non-performing loans greatly affect the microfinance banks profitability, leading to failure to sustain themselves over a reasonable length of time. This calls for proper credit management by the microfinance banks, thus need to manage and formulate policies related to credit risk management. One method is to put in place suitable credit approval methods aimed at reduc

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Sankar, A. Siva, and K. Nirmal Ravi Kumar. "Efficient Utilisation of Credit by The Farmer-Borrowers in Chittoor District of Andhra Pradesh, India." Journal of Tropical Resources and Sustainable Science (JTRSS) 4, no. 2 (2021): 105–11. http://dx.doi.org/10.47253/jtrss.v4i2.616.

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The present study has aimed at analyzing the technical and scale efficiencies of credit utilization by the farmer-borrowers in Chittoor district of Andhra Pradesh, India. DEA approach was followed to analyze the credit utilization efficiency and to analyze the factors influencing the credit utilization efficiency, log-linear regression analysis was attempted. DEA analysis revealed that, the number of farmers operating at CRS are more in number in marginal farms (40%) followed by other (35%) and small (17.5%) farms. Regarding the number of farmers operating at VRS, small farmers dominate the sc

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Khatun, M., Tanvir MB Hossain, S. Khandoker, MEA Begum, and AFMS Anowar. "Utilization of specialized agricultural credit on onion and garlic cultivation in selected areas of Bangladesh." Bangladesh Journal of Agricultural Research 42, no. 2 (2017): 233–47. http://dx.doi.org/10.3329/bjar.v42i2.32811.

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Specialized Agricultural Credit (SAC) policy implemented by the Bangladesh Bank played a significant role to increase agricultural production specially spices. But documentation in this regard is scarce in Bangladesh. Therefore, this study captured the impacts of specialized credit on onion and garlic cultivation at Faridpur and Natore district respectively. The survey was conducted on two hundred farmers of which fifty were credit recipient farmers and fifty were non-recipient farmers of each district. Credit recipient farmers received on an average Tk. 26,255 for spices cultivation. Average

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Ullah, Ayat, Vladimir Verner, Mustapha Yakubu Madaki, Faizal Adams, and Miroslava Bavorova. "Factors Influencing Informal Credit Access and Utilization among Smallholder Farmers: Insights from Mountainous Regions of Pakistan." Agriculture 14, no. 10 (2024): 1764. http://dx.doi.org/10.3390/agriculture14101764.

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Access to credit plays an important role in the adoption of modern agricultural practices, such as better seeds, pesticides, and fertilizers, as well as in the sustainable utilization of land by smallholder farmers. This study explores the dynamics of smallholders’ access to and utilization of informal credit to manage local farming systems. The data were collected from rural households in the Dir Kohistan mountainous region of Pakistan in 2021. A bivariate probit model was employed to analyze the data from 300 randomly selected farming households. Our findings indicate that a significant prop

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Otitolaiye, J.O, A. Ogaji, O.J Ajayi, and A.M Emesioluwa. "ANALYSIS OF CREDIT UTILIZATION BEHAVIOR OF SMALL SCALE BUSINESS FARMERS IN BOSSO LOCAL GOVERNMENT AREA OF NIGER STATE, NIGERIA." Continental J. Agricultural Science 3 (August 7, 2009): 58–64. https://doi.org/10.5281/zenodo.839642.

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This study analyses the credit utilization behavior of small scale farmers in Bosso Local Government Area of Niger state. The main objectives of the study include the identification of the various formal and informal sources of credit, pattern of their utilization by farmers as well as the examination of the effect of credit allocation on the value of output. Primary data used for the study were obtained using structured questionnaire administered to 60 purposively selected farmers. Descriptive statistics and regression analysis were used to analyze the data. Result shows that most of the farm

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Arsyianti, Laily Dwi, and Adelia Adelia. "SHARIA COMPLIANCE-CREDIT CARD EXPOSURE AND UTILIZATION IN THE GROWING DIGITAL ECONOMY." Journal of Islamic Monetary Economics and Finance 5, no. 4 (2019): 891–918. http://dx.doi.org/10.21098/jimf.v5i4.1138.

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Many cashless payment tools have been introduced to Indonesia market in the form of cards to electronic money. Sharia compliance-credit card is one of traditional electronic payment tools that are provided by only two Islamic finance institutions among many in Indonesia. The increase of Sharia compliance-credit card transactions from time to time may lead banks to be exposed to non-performing risk. Customers’ behaviors are varying in utilizing Sharia compliance-credit card, and their behavior may cause unpredicted results on card’s performance. Therefore, the purposes of this study are: 1) To

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Andi Nurul Syahrial, Azhar Bafadal, and Yusna Indarsyih. "Study of the Effectiveness of Microcredit Program for Rice Paddy Business Development in Palangga Sub-district South Konawe Regency." International Journal of Technology and Education Research 2, no. 03 (2024): 17–26. https://doi.org/10.63922/ijeter.v2i03.1436.

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This study aims to determine the effectiveness of Microcredit and the income differences of agribusiness actors before and after receiving the microcredit program in Palangga District, South Konawe Regency. Effectiveness in this study uses three aspects: the amount of credit, credit utilization, and credit burden. The population in this study is all agribusiness actors who are customers and borrow microcredit in Kiaea Village and Persiapan Wonua Morini Village, Palangga District, totaling 40 people. Sampling was done using non-probability sampling methods through saturation sampling (census),

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HANSON, ANDREW. "Utilization of Employment Tax Credits: An Analysis of the Empowerment Zone Wage Tax Credit." Public Budgeting & Finance 31, no. 1 (2011): 23–36. http://dx.doi.org/10.1111/j.1540-5850.2011.00972.x.

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Putri, Astri Aminova, Dwi Rachmina, and Anna Fariyanti. "Pengaruh Kredit Ketahanan Pangan dan Energi (KKPE) Terhadap Produksi Ayam Ras Pedaging di Sumatera Barat." Jurnal Agribisnis Indonesia 9, no. 1 (2021): 1–12. http://dx.doi.org/10.29244/jai.2021.9.1.1-12.

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Food and energy security loan (KKPE) as the credit to support farmers to buy the input required to increase their agricultural produce. However, research showed that credit received by the farmers was not used to increase production optimally. The purpose of the study is to analyze the utilization of food and energy security loan (KKPE) and the effect on broiler production. The study was conducted in Padang Pariaman Regency, West Sumatera Province, as the broiler production centre. The data were collected through an interview with 85 farmers using questionnaires. Credit utilization was analyze

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GANA, F. S., J. H. TSADO., S. KENCHI, and .R OLALEYE. "AGRICULTURAL CREDIT UTILIZATION AMONG SMALL SCALE WOMEN FARMERS IN SELECTED WARDS OF BIDA LOCAL GOVERNMENT AREA OF NIGER STATE, NIGERIA." Continental J. Agricultural Economics 3 (June 16, 2009): 28–34. https://doi.org/10.5281/zenodo.810014.

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The study investigated agricultural credit utilization among small-scale women farmers in selected wards of Bida Local Government Area of Niger State. The specific objectives were to examine small-scale women farmers, to identify the major sources of credit to small-scale farmers and to determine the benefit (if any) which small-scale women farmers had derived after acquiring credit for their farm operations. Data were collected from one hundred respondents randomly selected from five wards with the aid of interview schedule administered by the researchers. Statistical tools used for data anal

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Ray, Poulami, and Bhagirath Das. "Agricultural Credit Utilization and Repayment by Farm Households in Tripura." INDIAN JOURNAL OF EXTENSION EDUCATION 59, no. 2 (2023): 30–35. http://dx.doi.org/10.48165/ijee.2023.59207.

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The study was conducted in West Tripura district of Tripura to examine the utilization and repayment of farm loans obtained by borrowers based on a survey done in 2020.The development of agriculture depends on farmers receiving adequate and timely loans. Purposive multi-stage random sampling was used to pick 120 farmers and 20 lenders for a comprehensive investigation. The majority of the sample beneficiaries availed of crop loans (82.5%) as compared to allied activities loans (17.5%) and it was observed that marginal and small farmers diverted a portion of the loan as compared to medium farme

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Saka, Kamilu A., and Yisau I. Bolanle. "Autoregressive distributed lag estimation of bank financing and Nigerian manufacturing sector capacity utilization." Quantitative Finance and Economics 7, no. 1 (2023): 74–86. http://dx.doi.org/10.3934/qfe.2023004.

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<abstract> <p>This study examined the short-term and long-term relationship between credit financing by commercial banks and capacity utilization of the manufacturing sector in Nigeria. The study employed both classical Multiple Linear Regression (OLS-MLR) and the autoregressive distributed lag model (ARDL) to analyze data representing the period 1981–2020 relating to sectoral credit finance,labor employment,and capacity utilization from the <xref ref-type="bibr" rid="b6">Central Bank of Nigeria Statistical Bulletin (2020)</xref> and <xref ref-type="bibr" rid="b38"&g

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Biradar, Asha, Prabhuling Tevari, G. B. Lokesh, Devendra Beeraladinni, and Shivanand Kammar. "An Economic Analysis of Credit Utilization Pattern and Credit Gap for Grape Cultivation and Value Addition (Raisin Making) in Vijayapura District of Karnataka, India." Journal of Experimental Agriculture International 46, no. 8 (2024): 252–62. http://dx.doi.org/10.9734/jeai/2024/v46i82702.

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Credit is an important factor triggering agricultural growth when it is utilized properly. The present study aims to analyze the credit utilization pattern and credit gap for grape cultivation and value addition (raisin making) in Vijayapura district, which is having the highest area under grape cultivation in Karnataka state. As the grape requires high maintenance expenses, its economic analysis is of great importance in its present status. The primary data was collected from 90 respondent grape farmers in the study area. The finding of the study revealed that the sample farmers borrowed an a

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Oluitan, Roseline Oluwatoyin. "Determinants of Credit Growth in Africa." Greener Journal of Business and Management Studies 3, no. 8 (2013): 343–50. https://doi.org/10.15580/gjbms.2013.8.071713736.

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The importance of bank credit as an essential instrument that determines the efficacy of the financial system has been widely discussed in the literature. Some studies even opine a minimum threshold for it to generate the desired impact while others suggest efficient allocation rather than volume of credit. All these underlie the need for an increase in bank credit without overlooking the efficient utilization hence our choice of private sector credit as proxy. The paper conducts a panel study of the main factors that propels credit growth and covers 1970 – 2006 for thirty-three African

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Brinil, Herdehet. "Transaksi Tarik Tunai Melalui Merchant dalam Penggunaan Kartu Kredit." Lambung Mangkurat Law Journal 2, no. 2 (2017): 205. http://dx.doi.org/10.32801/lamlaj.v2i2.45.

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The change of the society in the sector of social and economy has encouragedthe need for application of plastic card system. The problems in this thesisare related with the legal relation between bank as card issuer and the card holder,rights and obligations of the bank and the customer as card holder, and protection tothe card holder from the perspective of Act Number 8 of 1999 concerning ConsumerProtection. Utilization of a credit card not only gives benefit, but also finally it maybring about problems and complaints from the customers. Thus, legal protection tothe customers in the utilizati

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Agnes, Mutinda Kaviku, Mahugu Muraya Moses, Mugero Muchiri Joyline, and Mwangi Ireri Dave. "Determinants of microfinance credit uptake and the amount of credit by smallholder dairy cattle farmers in Maara sub-county, Tharaka Nithi County, Kenya." World Journal of Advanced Research and Reviews 21, no. 3 (2024): 1953–60. https://doi.org/10.5281/zenodo.14171359.

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Microfinance institutions play a crucial role in enhancing the production and productivity of smallholder farmers by providing them with the necessary financial resources. However, the adoption and utilization of microfinance credit in the Maara sub-county fall short of their potential benefits. Despite various credit service providers, not all smallholder dairy cattle farmers in this region have been able to capitalize on these services. Several factors contribute to the low uptake of microfinance credit among smallholder dairy farmers, including inadequate financial literacy, absence of coll

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Ikpoza, E. A., Ohwo, O. A., Nwajei, C. A., and Tabuanu, C. O. "EFFECTIVENESS OF CREDIT UTILIZATION AMONG FARMERS IN UGHELLI NORTH LOCAL GOVERNMENT AREA OF DELTA STATE, NIGERIA." Journal of Agripreneurship and Sustainable Development 3, no. 4 (2020): 109–18. http://dx.doi.org/10.59331/jasd.v3i4.165.

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The study sought to examine the effectiveness of credit utilization among farmers in Ughelli North Local Government Area of Delta State, Nigeria. Multi-stage random sampling technique was used in selecting 120 farmers from 20 villages randomly selected from the 5 (five) clans. Descriptive and inferential statistics was used to analyze the data. The result revealed that the respondents were predominantly males and married (56.7%). Majority (50%) had only six (6) years of formal education and 51.7% of them had between 0.50 - l.5 ha of farm size. Many of (61.2 %) also did not belong to any form o

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Tjengga, Felisia Saron, Fransina W. Ballo, and Maria Indriyani Hewe Tiwu. "Analysis of Credit Utilization Among Street Vendors in Ruteng City." Formosa Journal of Sustainable Research 2, no. 12 (2023): 2907–16. http://dx.doi.org/10.55927/fjsr.v2i12.7058.

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The purposive of this research is to determine the use of credit taken by street vendors in Ruteng city which they take from BRI bank and to find out the reasons they take credit from BRI bank. The method for determining the research informants uses a purposive method. The data collection methods used consisted of: interviews, and observations and documents. The data analysis used is descriptive analysis with a qualitative approach. The object of this research is the use of credit by street vendors in the city of Ruteng around the location of the Ruteng Regional Hospital and UNIKA Santu Paulus

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Choo, Seung Ri, Ji Soo Ahn, Seo Hyeon Lee, and Eun Kyung Kim. "A Study on the Competency and Needs of Teachers for the Operation of the High School Credit System: Focusing on High Schools in Chungcheongnam Province." Korean Journal of Teacher Education 38, no. 5 (2022): 201–22. http://dx.doi.org/10.14333/kjte.2022.38.5.10.

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Purpose: The purpose of this study was to specify the competencies required of teachers for the smooth operation of the high school credit system, analyze the demand for support depending on the operating competency, and derive the parts to be supported by the Office of Education for an effective high school credit system. Methods: To this end, sixteen competencies required for the operation of the high school credit system were noted, A survey was conducted with seventy-five teachers working on high school credit system research and leading schools in Chungnam, and the competency demand

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Vigilante Jr., Richard J. "Teacher Perceptions of Virtual Credit Recovery Program Equivalency." International Journal of Virtual and Personal Learning Environments 9, no. 1 (2019): 16–38. http://dx.doi.org/10.4018/ijvple.2019010102.

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This article examines the equivalency of virtual credit recovery (VCR) programs as a viable alternative to earning back failed credits needed to graduate on time. Utilization of interviews and questionnaires assisted with collecting perspective data of 10 teachers facilitating the VCR program. Artifact analysis provided a third source of numeric data and allowed for triangulation of results. Data underwent thematic analysis and pattern matching, which led to the development of five main themes: (1) knowledge of students, (2) instructional design procedures, (3) facilitator communication and su

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Zhao, Jianmei. "Formal Credit Constraint and Prevalence of Reciprocal Loans in Rural China." Open Economics 4, no. 1 (2021): 1–13. http://dx.doi.org/10.1515/openec-2020-0110.

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Abstract The unique feature of the rural credit market in China is the dominance of zero collateral and zero-interest reciprocal lending and its long-term coexistence with the formal loan. This paper investigates the association between formal credit constraint and prevalence of reciprocal loans in rural China. Based on the identification of rural households’ credit constraint status, we examine the effects of credit constraint on the utilization of informal reciprocal loans. We find that formal credit constraint significantly increases rural borrowers’ reliance on reciprocal loans, whereas th

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Aghamolla, Cyrus, Pinar Karaca-Mandic, Xuelin Li, and Richard T. Thakor. "Merchants of Death: The Effect of Credit Supply Shocks on Hospital Outcomes." American Economic Review 114, no. 11 (2024): 3623–68. http://dx.doi.org/10.1257/aer.20221705.

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This study examines the link between credit supply and hospital health outcomes. We use bank stress tests as exogenous shocks to credit access for hospitals that have lending relationships with tested banks. We find that affected hospitals shift their operations to increase resource utilization following a negative credit shock but reduce the quality of their care to patients across a variety of measures, including a significant increase in risk-adjusted readmission and mortality rates. The results indicate that access to credit can affect the quality of health care hospitals deliver, pointing

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Sun, Yiduo. "Effect of Credit Card Holders’ Age on the Credit Limit." Highlights in Business, Economics and Management 7 (April 5, 2023): 150–55. http://dx.doi.org/10.54097/hbem.v7i.6936.

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Credit Limit of the credit cards is one of the affecting factors influencing people’s credit scores, playing a great role in determining their ability of paying debts and could be involved in banks evaluation in mortgage. In order to help people better assess their credit scores quantitatively and be aware of the influencing factors that determine their specific credit limits, this paper analyzed 10127 bank customers’ data. Based on the estimation, the evaluation is presented according to the information given to obtain the formula used to evaluate people’s Credit Limit and its relationship wi

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TANIA, LAGHARI. "UTILIZATION OF AGRICULTURE CREDIT BY MARRIED WOMEN: DOES THE HUSBAND MATTER?" International Journal of Academic Research for Humanities 4, no. 2 (2024): 167–79. https://doi.org/10.5281/zenodo.12512347.

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The current study presents an investigation of the utilization of agriculture credit by married women in Pakistan. The purpose of this study is to investigate how husbands in Pakistan's Punjab and Sindh provinces assist their wives in obtaining and using agricultural finance. The current research used descriptive analysis, correlation analysis, and binary logistic regression analysis, among other statistical techniques, to examine the differences and similarities between the two provinces, utilizing primary data from the adopted and modified questionnaire of Tisdell et al. (2020). The findings

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