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Performance efficiency of the Agricultural development and credit banks in Egypt.
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Abstract: _______________________________________________________________________________________________
• Ph. D. in Agricultural Science (Agricultural Economics): Department of Agricultural Economics, Faculty of Agriculture, Monufia University, 2015.
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banks in Egypt
The study aims at measuring the financial and economic efficiency of the bank for development and agricultural credit (BDAC) through applying a number of financial and economic indicators. In which help policy makers and government to develop the bank and improve its performance. The results showed that the ratio of banking safety for the BDAC decreased annually by about 1% during the period 1997-2010. Concerning the element of profitability, the study showed that the rate of return on assets for the BDAC was very low compared with commercial banks and estimated by about 0.15% during the same period. The results also showed that the liquidity ratio for BDAC increased annually by about 3%. Also, the spread of the bank is greater than needed, which consider costly. The components of agricultural credit policy were examined and explained that the bank has kept on providing short loans to all governorates. The study also showed a declining trend in recovery rates for loans in the BDAC during the period 2002-2011. The different types of loans, which provided by the BDAC has been discussed during the period 1997-2011. The results showed that the total value of loans at current prices increased significantly by about 421 million LE annually, while the total value of loans at fixed prices decreased by about 514 million LE annually. The results indicated that the ratio of the right of ownership on deposits of the BDAC decreased annually by about 2.1%, whereas it increased for each of Export Development Bank of Egypt and Housing and Development Bank.
Studying the rate of risk capital investment indicated that the ratio of the risk for the BDAC is the highest compared with the other three banks, which are Export Development Bank, National Bank for Development, and Housing and Development Bank. The average rate of the right of ownership/total loans estimated of about 11.5% compared with 19.4%, 18.4%, and 14.92% for the pre-mentioned other three banks respectively. Also the results showed that the rate of property right/risky assets for the BDAC was the lowest compared with the three banks of comparison during the period of study. Concerning the efficiency of the BDAC from the prospective of customers, the study sample showed that about 54% of those who got investment loans have used those loans in the establishment of new projects. It also showed that about 30% of the investment loans were less than 10 thousand LE, whereas 56% of those were less than 20 thousand LE. The sample also showed that 52% of the farmers want to continuation of dealing with the BDAC in investment loans, whereas about 34% of the sample wants to dealing in agricultural loans. The sample showed that the main reason for the unwillingness of farmers in dealing with the BDAC could be summarized as follows:
- The high price of interest (31% of the study sample).
- The fines and inappropriate times for repayment of loans (13%).
- Mismanagement (9%).
- The complexity of the procedures (1%).
The results of the sample also showed that the increase in the size of the agricultural holding leads to an increase in the use of the loan for its intended purpose.
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| Publication year |
2015
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| Availability location |
مكتبة معهد بحوث الاقتصاد الزراعي-7 ش نادى الصيد - مبنى الهيئات والشركات - الدقي- الجيزة (الدور الرابع)
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| Availability number |
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| Organization Name |
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| Country |
Egypt
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| Publisher |
Name:
كلية الزراعة - جامعة المنوفية
Place:
شبين الكوم - المنوفية - مصر
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| Author(s) from ARC |
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| Publication Type |
PhD Thesis
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