Credit Problems Related to Farm Organization in Northeast Nebraska

It is the purpose of this study to examine the nature of the capital acquisition problems facing the farm operator who wants to make erosion-control oriented adjustments in his farming system as well as to examine the nature of the adjustments to be made. The study is designed to explore: (1) the amount of capital required for the adjustments; (2) the timing of capital investments associated with the adjustments; (3) the extent to which an individual can be expected to meet these problems with his own resources; (4) the extent to which credit agencies serving agriculture are assisting him; and (5) the extent to which these agencies could further adapt or expand their lending policies to help meet this problem. Four distinct groups of farmers are considered in this study: (1) full owner-operators who are free of debt; (2) moderately encumbered owner-operators who have a mortgage on their real estate but have no mortgage on their chattels; (3) heavily encumbered owner-operators who have a mortgage on both real estate and chattels and (4) tenant operators. Advisor: A. W. Ep