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    <subfield code="a">Vitoon Nil-ubol</subfield>
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    <subfield code="a">Farmers' reliance on institutional and non-institutional sources of credit :</subfield>
    <subfield code="b">a case study in the Chumphuang land reform area of Nakhon Ratchasima province, northeast Thailand</subfield>
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    <subfield code="v">no. HS-85-14</subfield>
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    <subfield code="a">A research study submitted in partial fulfillment of the requirements for the degree of Master of Science </subfield>
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    <subfield code="a">Research Studies Project Report (M. Sc.) - Asian Institute of Technology, 1985</subfield>
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    <subfield code="a">The objective is to identify those socio-economic factors  which. determine farmers reliance on in situational and  non-institutional. sources of credit. The analysis is based on  descriptive statistics, a multiple regression model and a  Likert-Scale index. The strongest influence on the amount: or  farmers{u2022} loans was exerted. by farm household expenditure which consists of farm and off-farm expenses. Furthermore, non-agricultural income is a significant factor since it. has the  decisive impact upon farmers{u2022} repayment. Target group members{u2022} general attitudes toward the various types of credit agencies  were positive. Specifically, farmers were not satisfied with the  then credit programmes and. services of: the bank for Agricu1ture  and Agricultural co-operatives (BAAC) and of the Land Reform  Agricultural co-operatives (LRAC).  Recommendations for planning include diversification in  crop production, crop enterprise specific loans, and one-year  credit lines that link .both farmer producer and trader to a  single institutional source or credit which ought to be the Bank. for Agriculture and Agricultural cooperatives (HAAC).  Recommendations for further research focus on sorghum production  and performance evaluation or financially successful farmers.</subfield>
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