Adjognon Serge G, Liverpool-Tasie Lenis Saweda O, Reardon Thomas A
World Bank Group (WBG), Development Impact Evaluation Unit (DIME), Development Research Group (DECRG), USA.
Department of Agricultural, Food, and Resource Economics, Michigan State University, East Lansing, MI, USA.
Food Policy. 2017 Feb;67:93-105. doi: 10.1016/j.foodpol.2016.09.014.
Recent evidence shows that many Sub-Saharan African farmers use modern inputs, but there is limited information on how these inputs are financed. We use recent nationally representative data from four countries to explore input financing and the role of credit therein. A number of our results contradict "conventional wisdom" found in the literature. Our results consistently show that traditional credit use, formal or informal, is extremely low (across credit type, country, crop and farm size categories). Instead, farmers primarily finance modern input purchases with cash from nonfarm activities and crop sales. Tied output-labor arrangements (which have received little empirical treatment in the literature) appear to be the only form of credit relatively widely used for farming.
近期证据表明，许多撒哈拉以南非洲地区的农民使用现代投入品，但关于这些投入品的融资方式，相关信息有限。我们利用来自四个国家的最新全国代表性数据，来探究投入品融资及其信贷在其中所起的作用。我们的一些研究结果与文献中所发现的“传统观点”相悖。我们的研究结果始终表明，传统信贷的使用，无论是正规的还是非正规的，都极低（涵盖信贷类型、国家、作物和农场规模类别）。相反，农民主要用非农活动所得现金和作物销售收入来为现代投入品购买提供资金。产出与劳动力挂钩的安排（在文献中很少得到实证研究）似乎是相对广泛用于农业的唯一信贷形式。
