Title page for ETD etd-08012012-040406

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
  • Agricultural credit
Date of Defense 1988-03-05
Availability restricted
The 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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