Accesibilidad del Financiamiento Agropecuario en Ameca, Jalisco, México

Abstract

ABSTRACT Agriculture in Mexico has polarised into peasant and business agriculture, the latter characterised as being more technologically enhanced. An important factor in the transition from peasant agriculture to entrepreneurial agriculture has been that of credit in fixed assets. Regrettably the agricultural sector has suffered from financing shortages due to hazards inherent to the sector inciting uncertainty in financial intermediaries with regards to the fulfilment of payment by the agricultural producer and the redirecting of most of its resources to other sectors. On the other hand, agricultural producers themselves often hesitate when faced with the decision to invest in their unpredictable producers risk adverse, so they do not manage credit. However there are producers who access credit, which are characterized by different factors sector with a proclivity for being risk averse and avoiding loans. Nevertheless, there are those who opt to take the credit route, which is characterised by different factors that reduce the uncertainty of the middlemen who authorise the credit. Through a linear statistical process, this study investigates the factors which reduce uncertainty and increase access to credit within the agricultural sector It will be shown that the size of the productive unit, income, security and other elements, have a positive impact on the granting of credit by a formal institution. JEL CLASSIFICATION R51