WIARYGODNOŚĆ KREDYTOWA ROLNIKÓW INDYWIDUALNYCH. ANALIZA KOMPARATYWNA NA TLE PRZEDSIĘBIORCÓW INDYWIDUALNYCH

The aim of the paper is to evaluate the creditworthiness of farmers as a group of credit takers in comparison to a group of individual entrepreneurs. As a proxy of creditworthiness, the share of impaired credits in total debt was taken. The analyses showed that farmers’ creditworthiness is much higher than individual entrepreneurs. This phenomenon stems from the fact that the farm is an economic base for the existence of farmer’s household and the farmer generally does his best to repay debt even at cost of consumption. The regular income subsidies under the CAP are the other reason. Moreover, the additional sanctions connected to repayment of the preferential credits discipline farmers who taken such credits