Tarım İşletmelerinin Kredi Tercihleri, Kullanımı ve Kaynaklarının Belirlenmesi: Ruanda Doğu İli Kirehe İlçesi Örneği
Yükleniyor...
Dosyalar
Tarih
2023
Yazarlar
Dergi Başlığı
Dergi ISSN
Cilt Başlığı
Yayıncı
Selçuk Üniversitesi Fen Bilimleri Enstitüsü
Erişim Hakkı
info:eu-repo/semantics/openAccess
Özet
Bu çalışmada, Ruanda’da Doğu il Kirehe İlçesinde Tarım İşletmelerinin Kredi Tercihleri,
Kullanımı ve Kaynaklarının Belirlenmesi amacıyla analizi yapılmıştır. Çalışmanın temel verileri, ana kitle
oranlarına dayalı kümelendirilmemiş tek aşamalı basit tesadüfî olasılık örnekleme yöntemine göre
belirlenen 62 tarım işletmesi ile yapılan anketler aracılığıyla toplanmıştır. Araştırma, 2020-2021 üretim
dönemine ait olan verileri kullanarak yapılmıştır ve bu veriler üzerinden analizler gerçekleştirilmiştir.
Araştırma sonuçlarına göre; incelenen tarım işletmelerin işletme başına ortalama nüfusu 4,47 kişi, aile
işgücü varlığı ise 2,97 EİB’dir. İşletme başına ortalama işletme arazisi 36,80 dekar olarak belirlenmiştir.
İşletmeler geneli olarak ortalama aktif sermaye 14,490.89 dolar olmaktadır. Bunun %5.18’ini dönen
varlıklar, %3.99’ünü orta varlıklar ve %90.83’ünü duran varlıklar oluşturmaktadır. İşletme başına
ortalama pasif sermayenin %96,81’ini öz sermaye ve % 3,19’unu ise yabancı sermaye oluşturmaktadır.
İşletme faaliyet sonuçlara göre işletme başına ortalama saf hasıla 9,621.83 dolar, tarımsal gelir 6,283.61
dolar, mali rantabilite %40.93 ve ekonomik rantabilite %%39.74 olarak belirlenmiştir. Kredi kullanan
işletmecilerin %30.65’i işletme sermayesi ve %12.90’ı yatırım amaçlı kredi kullandıkları tespit edilmiştir.
İşletmecilerin kredi alırken yüksek seviyede kooperatifleri tercih ettikleri belirlenmiştir. 53 işletmeci
tasarruf edebilirken 9 işletmeci tasarruf edememektedir. İşletmelerin sadece nakit yoluyla tasarruf ettiği
tespit edilmiştir.
In this study, an analysis was conducted on Agricultural Enterprises Credit Preferences, Utilization, and Sources in the Kirehe District, Eastern Province of Rwanda. The primary data of the study were collected through face-to-face interviews with 62 agricultural enterprises. The collected survey data was obtained with unclustered probability sampling method. The research was conducted using data from the 2020-2021 production period, and the analysis was performed using this data. According to the research results, the average population per agricultural enterprise is 4.47 people, and the average family labor force is 3.01 FTE (full-time equivalent). The average land size per agricultural enterprise has been determined as 36.80 decares. The average active capital of the enterprises amounts to $14,490.89. This is composed of 5.18% current assets, 3.99% intermediate assets, and 90.83% fixed assets. The passive capital structure reveals that per on average that 96.81% of the capital is self-financed through equity, while the remaining 3.19% is sourced from foreign capital. According to the business performance results, the average agricultural income per enterprise is $6,283.61, gross production value is $9,621.83, and the financial profitability is 40.93%, while the economic profitability is 39.74%. It has been determined that 30.65% of the entrepreneurs who use credit utilize it for working capital, and 12.90% use credit for investment purposes. It has been determined that there are 28 enterprises that use agricultural credit and 34 enterprises that do not use it. It has also been found that the entrepreneurs prefer cooperatives at a high level when obtaining credit. While 53 business owners can save, 9 business owners cannot save. It was also determined that businesses only save through cash.
In this study, an analysis was conducted on Agricultural Enterprises Credit Preferences, Utilization, and Sources in the Kirehe District, Eastern Province of Rwanda. The primary data of the study were collected through face-to-face interviews with 62 agricultural enterprises. The collected survey data was obtained with unclustered probability sampling method. The research was conducted using data from the 2020-2021 production period, and the analysis was performed using this data. According to the research results, the average population per agricultural enterprise is 4.47 people, and the average family labor force is 3.01 FTE (full-time equivalent). The average land size per agricultural enterprise has been determined as 36.80 decares. The average active capital of the enterprises amounts to $14,490.89. This is composed of 5.18% current assets, 3.99% intermediate assets, and 90.83% fixed assets. The passive capital structure reveals that per on average that 96.81% of the capital is self-financed through equity, while the remaining 3.19% is sourced from foreign capital. According to the business performance results, the average agricultural income per enterprise is $6,283.61, gross production value is $9,621.83, and the financial profitability is 40.93%, while the economic profitability is 39.74%. It has been determined that 30.65% of the entrepreneurs who use credit utilize it for working capital, and 12.90% use credit for investment purposes. It has been determined that there are 28 enterprises that use agricultural credit and 34 enterprises that do not use it. It has also been found that the entrepreneurs prefer cooperatives at a high level when obtaining credit. While 53 business owners can save, 9 business owners cannot save. It was also determined that businesses only save through cash.
Açıklama
Anahtar Kelimeler
Ruanda, Tarımsal Finansman, Tarımsal Kredi, Rwanda, Agricultural Finance, Agricultural Credit
Kaynak
WoS Q Değeri
Scopus Q Değeri
Cilt
Sayı
Künye
Kalisa Umuhoza, S., (2023). Tarım İşletmelerinin Kredi Tercihleri, Kullanımı ve Kaynaklarının Belirlenmesi: Ruanda Doğu İli Kirehe İlçesi Örneği. (Yüksek Lisans Tezi). Selçuk Üniversitesi, Fen Bilimleri Enstitüsü, Konya.
