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EVALUATING LOAN REPAYMENT IN THE SAUDI ARABIAN AGRICULTURAL SECTOR BY MEANS OF A FARM CREDIT INTERDEPENDENT SYSTEM.

机译：通过农场信用独立系统评估在沙特阿拉伯农业部门的还贷。

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摘要

Scope of Study. The Saudi Arabian economy has been dominated by the oil industry in recent decades. To lessen the dependence on oil as the main source of national income, the government of Saudi Arabia has taken the initiative toward diversifying the economy. It is in keeping with this objective that the Saudi Arabian Argicultural Bank (SAAB) was founded in 1963. The function of SAAB as a government entity is to provide farm operators with adequate interest free credit for purchasing machinery, equipment and other factors of production and hence improve their income and well-being. Although in full operation and rapid expansion throughout the kingdom for about sixteen years, SAAB has thus far fallen short of achieving the goal of reaching a majority of farm operators with its services. So far, only five percent of the total farm operators have obtained agricultural loans from SAAB. In addition, loan delinquency is currently about 30 percent. The inability to reach large numbers of farm operators and the high delinquency rate indicate the existence of bottlenecks in administering credit and lack of appropriate means of loan evaluation within SAAB preventing attainment of the stated objectives. Hence, it is the objective of this study to evaluate non-repayment of agricultural production loans and to develop alternative lending policies and procedures for SAAB which would improve the effectiveness of credit distribution and loan repayment. In pursuing this objective, loan delinquency was analyzed using methods of ordinary least squares (OLS), two stage least squares (2SLS), and discriminant analysis. Data used in this study were obtained from SAAB credit files and personal interviews of 42 farm operators in two major agricultural areas, Hufuf and Kharj. Loan delinquency was measured in terms of number of days payments were past due.;Findings and Conclusion. Results of the OLS and 2SLS models indicate loan delinquency is negatively associated with net farm income, non-farm income, and total crop cultivated, and positively associated with size of annual payment, family living expenditures, and timelinesss of credit. The 2SLS system of equations consisted of: (1) four input demand functions--machinery, facilities, hired labor, and variable capital; (2) a farm production function; (3) two identity equations (net farm income and total capital); and (4) delinquency rate. The objective of using 2SLS is to examine the effect and importance of intermediate-term credit in explaining the variation in machinery and facilities demand and the effect of short-term credit on the demand for hired labor and variable capital. The results of the study in general conformed to the hypothesized relationships between the dependent and the explanatory variables in the system. Based on the thorough analysis of results obtained, policy and management implications are outlined for improving SAAB effectiveness in evaluating and administering needs for achieving of increasing farm production and hence improving farm income and farm family well-being.
机译：研究范围。近几十年来，沙特阿拉伯经济一直由石油工业主导。为了减少对石油作为国民收入主要来源的依赖，沙特阿拉伯政府已采取主动行动，实现经济多元化。为了实现这一目标，沙特阿拉伯农业银行（SAAB）成立于1963年。SAAB作为政府机构的职能是为农场经营者提供足够的免息信贷，用于购买机械，设备和其他生产要素以及从而提高他们的收入和福祉。尽管已经全面运作并在整个沙特阿拉伯迅速扩张了十六年，但SAAB仍未实现其服务目标，该目标已覆盖大多数农场经营者。到目前为止，只有全部农场经营者的百分之五从SAAB获得了农业贷款。此外，贷款拖欠率目前约为30％。无法联系到大量的农场经营者和高犯罪率表明存在管理信贷的瓶颈，并且在SAAB内缺乏适当的贷款评估手段，无法实现既定目标。因此，本研究的目的是评估农业生产贷款的未偿还情况，并为SAAB制定替代性的贷款政策和程序，以提高信贷分配和偿还贷款的有效性。为了实现这一目标，使用普通最小二乘法（OLS），两阶段最小二乘（2SLS）和判别分析方法分析了贷款拖欠情况。本研究中使用的数据来自SAAB信用档案以及对两个主要农业地区Hufuf和Kharj的42位农场经营者的个人访谈。贷款拖欠的衡量标准是逾期还款天数；发现​​和结论。 OLS和2SLS模型的结果表明，贷款拖欠与农场净收入，非农业收入和耕种的农作物负相关，与年还款额，家庭生活支出和信贷及时性正相关。 2SLS方程组包括：（1）四个输入需求函数-机械，设施，雇工和可变资本； （二）农场的生产功能； （3）两个恒等式（农场净收入和总资本）； （4）拖欠率。使用2SLS的目的是检验中期信贷的作用和重要性，以解释机械和设施需求的变化以及短期信贷对雇佣劳动和可变资本需求的影响。研究结果总体上符合系统中因变量和解释变量之间的假设关系。在对获得的结果进行全面分析的基础上，概述了政策和管理意义，以提高SAAB在评估和管理实现增加农业生产的需求方面的有效性，从而改善农场收入和农场家庭的幸福感。

著录项

  • 作者

    TAKRONI, MOHAMED HABIB.;

  • 作者单位

    Oklahoma State University.;

  • 授予单位 Oklahoma State University.;
  • 学科 Economics Agricultural.
  • 学位 Ph.D.
  • 年度 1980
  • 页码 224 p.
  • 总页数 224
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 农业经济;
  • 关键词

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