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	Provedor de dados AgEcon (3) Autor Durguner, Seda (1) Durguner, Sena (1) Epperson, James E. (1) Escalante, Cesar L. (1) Katchova, Ani L. (1) Raghunathan, Uthra (1) Mais... Palavra-chave Creditworthiness (3) Agricultural Finance (2) Class-action suit (1) Coverage ratio (1) Credit risk (1) Credit scoring (1) Cut-off point (1) FBFM (1) Farm type (1) Financial efficiency (1) Gender discrimination (1) Heckman selection (1) Instrumental variable probit (1) Labor and Human Capital (1) Liquidity (1) Panel data (1) Profitability (1) Random effects (1) Repayment capacity (1) Solvency (1) Mais... Tipo do documento Conference Paper or Presentation (2) Report (1) Ano 2009 (1) 2007 (2) País United States (3) Idioma Inglês (3)		Ordenar por:  Relevância Autor Título Ano Registros recuperados: 3 Primeira ... 1 ... Última Credit Scoring Models in Illinois by Farm Type: Hog, Dairy, Beef and Grain AgEcon Durguner, Seda; Katchova, Ani L.. Employing a logit model and farm-level data for Illinois from 1995 to 2004, this study explores the importance of farm-type differences in the development of credit scoring models. Apart from the conclusion that regional credit scoring models specific to each farm type are needed, the following are identified as the most pertinent factors for explaining creditworthiness: previous year’s working capital to gross farm return, the debt-to-asset ratio, and return on farm assets. Furthermore, beef farms have a larger marginal effect compared to grain farms on the probability of the farmer being highly creditworthy. Hog farms differ from grain farms in how the following financial characteristics affect farmer creditworthiness: solvency, profitability, and... Tipo: Conference Paper or Presentation Palavras-chave: Creditworthiness; Credit scoring; Cut-off point; Farm type; FBFM; Agricultural Finance. Ano: 2007 URL: http://purl.umn.edu/9356 A Panel Data Analysis of the Repayment Capacity of Farmers AgEcon Durguner, Sena. Using a balanced panel of 264 unique Illinois farmers from 2000 to 2004, this study identifies the most pertinent factors that explain the repayment capacity of farmers. After correcting for endogeneity bias caused by farmer-specific effects, one year lagged debt-to-asset ratio and soil productivity are both found to be significantly correlated with the coverage ratio at the 5% significance level using random effects. The finding is significant because it can enhance agricultural lenders’ ability to assess creditworthiness, screen borrowers, manage loan loss reserves, and price loans, thereby decreasing lenders’ costs associated with defaulted loans and ultimately reducing the costs borne by the government and taxpayers. Tipo: Conference Paper or Presentation Palavras-chave: Panel data; Random effects; Coverage ratio; Financial efficiency; Solvency; Liquidity; Repayment capacity; Profitability; Creditworthiness; Agricultural Finance. Ano: 2007 URL: http://purl.umn.edu/9361 Gender Bias Claims in Farm Service Agency’s Lending Decisions AgEcon Escalante, Cesar L.; Epperson, James E.; Raghunathan, Uthra. This study analyzes the courts’ denial of women farmers’ motion for class-action certification of their lawsuits alleging gender discrimination in Farm Service Agency (FSA) lending decisions. The plaintiffs’ claim of “commonality” of circumstances in women farmers’ dealings with FSA is tested using a four-year sampling of Georgia FSA loan applications. The econometric framework has been developed after accounting for the separability of loan approval and amount decisions, as well as endogeneity issues through instrumental variable estimation. This study’s results do not produce overwhelming evidence of gender bias in FSA loan approval decisions and in favor of the “commonality” argument among Georgia FSA farm loan applicants. Tipo: Report Palavras-chave: Class-action suit; Credit risk; Creditworthiness; Gender discrimination; Heckman selection; Instrumental variable probit; Labor and Human Capital. Ano: 2009 URL: http://purl.umn.edu/54550 Registros recuperados: 3 Primeira ... 1 ... Última

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