Type of Document Master's Thesis Author Tabor, Mary Dalton URN etd-08012012-040406 Title A comprehensive analysis of the market for agricultural credit in Virginia Degree Master of Science Department Agricultural Economics Advisory Committee
Advisor Name Title Kohl, David M. Committee Chair Kenyon, David E. Committee Member Warmann, Gerald Committee Member Keywords
- Agricultural credit
Date of Defense 1988-03-05 Availability restricted AbstractThe market for agricultural credit in Virginia was analyzed
to provide market intelligence to financial institutions which
extend credit to Virginia farmers. The agricultural environment
in the U.S., the South, and Virginia were reviewed concerning
the effect of current agricultural sector transition on
producers, lenders, agribusinesses, and rural communities. The
agricultural credit delivery system in Virginia was studied.
The credit use and needs of Virginia farmers and agricultural
customers of three Virginia banks were also evaluated.
The market for agricultural credit in Virginia was found to
be stable. Virginia agriculture is in relatively good financial
condition, benefiting from the state's diverse and strong
general economy. The use of agricultural credit varied
demographically, with one-half of Virginia farmers owing no
agricultural debt. Virginia farmers considered Interest rates
most important te iender selection and desired the
implementation of financial services such ae tax planning,
estate planning, and financial management seminars. Statistical
analysis revealed the presence of market segmentation variables
but failed to definitely identify segments. Bank customer
survey group responses varied from those of Virginia farmers in
general and from each other.
Challenges facing Virginia agricultural lenders include
adapting to the new agrlcultural environment, meeting the
changing needs of the modified customer base, and competing with
new sources of credit.
A synopsls of recent studies and statistical information
concerning U.S., Southern, and Virginia agrlculture and results
of the 1987 Virginia Agricultural Credit Use and Needs Survey are included.
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