Identify Factors Affecting on Agricultural Credit Allocation (Cease Study: Pistachio Growers in Sirjan)

Supply of credits to farmers seems necessary because of the importance of credits in order to assurance the efficiency of production process. The purpose of this study is identification factors affecting on credits allocation to agricultural activities and factors affecting on probability failure to repay of credits received .For this study, 196 farmers and customers who have received loans from the Agricultural Bank were randomly selected. Statistics and necessary information were collected by questionnaires and investigation of customers file for the years 2010 -2013.For identification factors affecting on credits allocated to the agricultural activities was used fromTobit model. Based on this model, ,there was a direct and significant relation at level of confidence 95 percent among variables of age, educational levels, experience, annual income from non-agricultural activities , amount of credits received and credits allocated to agricultural activities .While, there was a inverse and significant relation among varible of family size and credits allocated to agricultural activities Also, probability failure to repay of credits received modeling was done using Logit Multinomial model. In this model,there was a inverse and significant relation at level of confidence 95 percent among varibles of age, educational levels, value of the assets ,monthly income of the applicant and probability failure to repay of credits and varible of gender had a direct and significant relation with probability failure to repay of credits. Based on the results of this study suggestions were presented.