3,346 research outputs found
Can flexible agricultural microfinance loans limit the repayment risk of low diversified farmers?
No full textPreface:ED-MEDIA '99: World Conference on Educational Multimedia, Hypermedia & Telecommunications
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[View of street in Oliver, B.C.]
No full textNote that came with picture reads: "Oliver c. 1955/56 Ron"
Oral history interview with Ron Wallace
No full textRon Wallace, author and instructor, talks about growing up in Durant, Oklahoma, and having a father on the police force. He recalls his college days and earning a degree in English. He explains how he developed a love of poetry initially and how he began writing poetry. Wallace also shares stories of his grandparents and reads a few of his favorite poems. He has been a Oklahoma Book Award finalist several times.The Deep Roots: Oklahoma Authors Collection is a series of interviews with authors who discuss their lives, work, and creative processes
Best-Selling Author Ron Rash to Visit GWU
No full textGardner-Webb University alumnus and best-selling author Ron Rash is set to visit GWU as he gains worldwide attention for “Serena,” his novel that was adapted into a feature film set to premiere next month. Rash will visit the campus Oct. 3 to give the keynote address at the Appalachian Writers Association’s annual awards banquet, part of the Southern Appalachian Culture Series conference hosted at Gardner-Webb. The 1976 GWU alum, also currently the John Parris Distinguished Professor of Appalachian Studies at Western Carolina University, will discuss Appalachian writing and read from some of his works.
WGWG: Catch Up with Ron Rashhttps://digitalcommons.gardner-webb.edu/gardner-webb-newscenter-archive/2320/thumbnail.jp
Explaining weather-related credit risk with evapotranspiration and precipitation indices
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Purpose
Although the microfinance sector in developing countries has seen an impressive development in recent years, many small-scale farmers in rural areas are still undersupplied with capital. One of the main reasons for this undercapitalization is the exposure to weather risks. Weather index insurance is assumed to bear high potential for accelerating agricultural lending. The index design hereby is of particular importance. The purpose of this paper is to estimate the influence of evapotranspiration and precipitation indices on the credit risk of farmers in Madagascar.
Design/methodology/approach
The authors base the analysis on a unique borrower data set provided by a commercial microfinance institution in Madagascar and weather data provided by CelsiusPro. In this context, evapotranspiration and precipitation indices both at aggregated bank level and at branch level are identified and their influence on credit risk of small-scale rice farmers is estimated.
Findings
The results show that the weather-related part of the credit risk of farmers can be better explained by an evapotranspiration then by a precipitation index. The precipitation index underestimates the weather influence on credit risk especially during the harvesting season. The results suggest a potential for weather index insurance which is based on an evapotranspiration index. The results are of similar importance for developed and developing countries.
Practical implications
The results suggest that, should insurance be considered as an appropriate risk management instrument for the farmers or the bank, weather index insurance has the potential to mitigate a certain part of the credit risk. The authors also find that the focus on precipitation-based index insurance products would underestimate the weather influence on credit risk. Furthermore, the results suggest that insurance products should be tailored to branches to be most effective.
Originality/value
To the authors’ knowledge, this is the first study that compares the explanatory values of evapotranspiration and precipitation indices in general and for the credit risk of small-scale farmers in particular.
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Farmers' awareness of digital credit: Does financial literacy matter?
No full textThis study investigates the relationship between financial literacy and farmers' awareness of digital credit in rural Madagascar. We apply questions that demonstrate individuals' understanding of the four fundamental concepts for financial decision making: numeracy, interest compounding, inflation and risk diversification to measure farmers' financial literacy. We find that financial literacy has a positive and statistically significant effect on farmers' awareness of digital credit. Our study highlights the importance of financial literacy for increasing farmers' awareness of digital credit in rural areas of Madagascar and supports the widely held view that financial literacy is crucial for individuals' awareness of financial products
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