The Determination of Credit Use Status of Agricultural Holdings in The Central District Country of Tokat

In this study, credit usage status of agricultural holdings were investigated. The target group of the study is agricultural holdings operating in central countries of Tokat province. Face-to-face surveys were conducted with 86 agricultural holdings in 6 countries. According to the findings of the surveys, 48% of holdings obtained loans from agricultural banks, 32% from credit cooperatives, 18.4% from private banks and 1.6% from sales cooperatives. When the repayment of the loan debt of the holdings is examined, it is found that 59,30% of them pay their debts and 40,77% do not repay their debts. When the debt payment amount of those who do not pay the loan is examined, it is found that 60% of them cannot pay less than a quarter and 25.71% of them cannot pay half. As a result, the fact that holdings are mostly small family holdings brings them to financial difficulties. Due to the problems related to the use of credit (such as finding collaterals, short term maturities, high interest rates and low limits), producers try to get support from unorganized places.