Agricultural Lending Decision: A Multiattribute Analysis

Roger D. Stover, R. Kenneth Teas and Roy Gardner

American Journal of Agricultural Economics, 1985, vol. 67, issue 3, 513-520

Abstract: This paper examines the agdcultural loan decision process from the perspective of the individual loan officer. An analysis of this process concerns the relative effects of various criteria on the loan application and the degree to which tradeoffs are made among them by the loan officer. The theoretical model is empirically tested using a set of factorially designed combinations of these variables. This format avoids several of the problems previously encountered when the iending process has been empirically examined. The model not only exhibits a high degree of explanatory power but also permits important insights into this process.

Date: 1985
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Working Paper: The Agricultural Lending Decision: A Multiattribute Analysis (1981)
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