data collection and analysis of the effect of agricultural loan for poor farmers in Lao s

在本研究中，我们对水稻种植者万象进行了调查。地区及周边地区，政策变化前后的农贷制度。利用这些数据，我们分析了政府提供农业贷款的效果，特别是化肥形式的负担。贷款的效果很难与农民的不可见特征区分开来，因为贷款的使用很大程度上依赖于农民的不可见特征。我们使用固定效应面板数据消除了这种相关性，该面板数据由1080名使用和没有使用贷款的随机抽样农民组成。在旱季稻农中检测到了化肥贷款的显著效果。由此可见，旱季水稻减产是取消化肥贷款的结果。在我们的分析中还分析了贷款使用的决定因素。传统的分析对禁令的适用定义非常狭窄，从而忽略了撤回，因为接受申请的概率很低。我们使用了更广泛的禁令申请定义，发现大多数农民不能使用商业贷款，政府贷款，特别是化肥贷款，仍然发挥着重要作用。这意味着政府推动使用商业贷款是有问题的。

In this research we investigated the rice crop farmers the Vientienn. Area and the surrounding area, before and after the policy change of the agricultural loan system. Using the data we analyzed the effect of the agricultural loan supplied by the government, especially the load in the form of fertilizer. The effect of the loan is difficult to distinguish form the unobservable characteristics of the farmers because the use of load is strongly dependent upon the unobserved characteristics of the farmers. We remove this correlation using the fixed effect panel data consists of 1080 randomly sampled farmers who used and did not used the loan. We have detected the significant effect of the loan of fertilizer in the dry season rice crop farmers. It then follows that the decrease of the rice crop in the dry season is the result of the demolition of fertilizer loan. The determinant of the use of loan is also analyzed in our analysis. The traditional analysis used a very narrow definition of application of bans so that it neglects the withdrawal because the probability of the acceptance of application of low. We used a wider definition of application for bans and found that the majority of farmers cannot use the commercial loans and the governmental loan, especially that of the fertilizer, still plays an important role. This means that the promotion of the use of commercial loans by the government is problematic.