IMPROVING THE EFFICIENCY OF LOANS IN FARMS

Abstract

Abstract. We know that the efficiency indicators of lending to agricultural
enterprises are determined by the number of loans allocated to this direction, their
amount, loan percentage, loan term and other similar indicators. In this case, each
indicator is determined according to the bank's internal regulatory documents, for
example, the credit policy. Of course, the greater the number of customers who require
credit (the customers to whom credit can be allocated) and the higher the total amount
of the given credit, the higher the demand of these customers is satisfied by the bank
branch. When taking into account the loans granted for a certain period, only the loans
granted during this period are taken into account, the loans granted in previous
periods and currently being repaid monthly are not taken into account. The lower the
loan percentage and the longer the term, the higher the population's demand for this
loan. Because there are many banks and they all have different lending procedures,
credit policies, etc.