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

在这项研究中，我们调查了万象的稻农。地区及周边地区、农贷制度政策变化前后。利用这些数据，我们分析了政府提供的农业贷款的效果，特别是化肥贷款的效果。贷款的效果很难与农户的不可观察特征区分开来，因为负荷的使用强烈依赖于农户的不可观察特征。我们使用由 1080 名使用和未使用贷款的随机抽样农民组成的固定效应面板数据消除了这种相关性。我们发现化肥贷款对旱季稻农的效果显着。由此可见，旱季水稻减产是化肥贷款拆除的结果。我们的分析中还分析了贷款使用的决定因素。传统分析对禁令适用的定义非常狭隘，以致于由于接受申请的概率较低而忽略了撤销。我们使用了更广泛的申请禁令的定义，发现大多数农民无法使用商业贷款，而政府贷款，特别是化肥贷款，仍然发挥着重要作用。这意味着政府推广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.