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The ability to speak: from intentions to spoken words

Authors
Disciplines
  • Agricultural Science
  • Design
  • Political Science

Abstract

Agricultural and Rural Finance Markets in Transition Proceedings of Regional Research Committee NC-1014 St. Louis, Missouri October 4-5, 2007 Dr. Michael A. Gunderson, Editor January 2008 Food and Resource Economics University of Florida PO Box 110240 Gainesville, Illinois 32611-0240 1 Investigating Gender Bias in Farm Service Agency’s Lending Decisions Prepared by Cesar L. Escalante, James E. Epperson and Uthra Raghunathan Department of Agricultural and Applied Economics University of Georgia 2 Background Federal involvement in farm credit is guided by the government´s mission to assist under- served sectors of the farm economy experiencing difficulty in gaining access to borrowing funds through the regular lending channels. These borrowers include small, beginning farmers considered as high risk borrowers by commercial lenders due to their inadequate business track records and inferior net worth positions. Moreover, the federal credit program is also designed to accommodate borrowers who have been subjected to racial, ethnic or gender prejudice by other lenders. Today, one avenue the federal government uses to provide credit to farmers is through the Farm Service Agency (FSA) operating under the U. S. Department of Agriculture (USDA), which implements direct and guaranteed loan programs as temporary sources of credit for farm businesses. The target of the agency is to accommodate high-risk farm borrowers with direct loans and eventually graduate them to the guaranteed lending program. Once this is achieved, FSA expects these borrowers to successfully satisfy the guaranteed loan provisions and seek credit from conventional agricultural lenders (FmHA-USDA, 1988). In recent years, however, the USDA has encountered accusations of inequities in the administration of loan

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