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International Journal Of Horticulture, Agriculture And Food Science(IJHAF)

The Effect of Commercial Banks’ Credit on Agricultural Investment Development: An empirical study on Agricultural sectors in Kurdistan region

Dr. Shawnm Zrar Aziz Bilbas


International Journal of Horticulture, Agriculture and Food science(IJHAF), Vol-2,Issue-4, July - August 2018, Pages 142-150, 10.22161/ijhaf.2.4.5

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This research intended at assessing the influence of commercial banks' credit on agricultural development in Kurdistan. The purpose of this research is to investigate the impact of commercial banks’ credit on agricultural development in Erbil. The questionnaire was divided into two sections, the first section consisted of demographic questions; starting with respondent‘s age and respondents ‘gender. The second part of questionnaire consisted of 16 questions regarding commercial bank’s credit and 16 questions regarding agricultural development in Kurdistan. A random sampling technique was used, where all employees had equal chances of being selected for the sample. The study was carried out in Erbil. The researchers distributed 180 questionnaires; however only 144 questionnaires were completed properly. According to the findings of the statistical computation, analyses and results of the test carried out, it demonstrates that: The joint action of commercial banks credit to the agricultural sector, agricultural credit guarantee loan by purpose, government financial allocation to agricultural sector and agricultural products prices are significant factors that can influence agricultural production in Kurdistan. The findings revealed that there is a positive and significant influence of commercial bank’s credit on Agricultural Development in Kurdistan. Government fund allocation to the agricultural sector has led to a significant positive growth in agricultural productivity. Prices of agricultural products have not made any significant positive impact on agricultural productivity.

Commercial Bank, Credit, Finance, Agriculture, Development, Kurdistan.

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