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

在这项研究中，我们调查了种植水稻的农民，万象。区及周边地区、政策变化前后的农贷制度。利用这些数据，分析了政府农业贷款的效果，特别是以化肥形式提供的贷款。贷款的效果是很难区分的农民的不可观察的特征，因为负载的使用是强烈依赖于农民的不可观察的特征。我们使用固定效应面板数据，包括1080个随机抽样的农民谁使用和没有使用的贷款删除这种相关性。我们已经检测到化肥贷款在旱稻种植户中的显著效果。因此，旱季水稻产量的减少是化肥贷款被拆除的结果。本文还分析了影响贷款使用的因素。传统的分析对禁令的适用采用了非常狭窄的定义，从而忽略了撤销，因为撤销被接受的概率很低。我们使用了更广泛的申请禁令的定义，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。这意味着政府推广使用商业贷款存在问题。

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.