Capacity to Pay and Farm Financing (Classic Reprint) - Couverture souple

Norton, Laurence Joseph

9780331079272: Capacity to Pay and Farm Financing (Classic Reprint)

Couverture souple

ISBN 10 : 0331079275 ISBN 13 : 9780331079272

Editeur : Forgotten Books, 2018

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Understand how farmers can stretch debt payments without sacrificing their land or income. This clear, data-driven analysis shows how capacity to pay varies across farm ownership, income levels, and debt, and why some groups struggle more than others.

This edition examines the capacity to pay from earnings, debt ratios, and how different repayment plans fit a borrower’s ability to pay. It explains how mortgage terms can be tailored to protect earnings and support land ownership, with practical guidance drawn from the Illinois grain and livestock sectors.

How net cash income, cash expenses, and interest shape repayment power

Differences in repayment capacity among owners, part owners, and tenants

Debt-to-property ratios that limit or enable farm expansion

Three mortgage plans that align loan length with borrowers’ capacity to pay

Ideal for readers of agricultural economics, farm finance history, or policy work on rural credit and land ownership.

Les informations fournies dans la section � Synopsis � peuvent faire r�f�rence � une autre �dition de ce titre.

�diteur: Forgotten Books
Date d'�dition: 2018
Langue: anglais
ISBN 10: 0331079275
ISBN 13: 9780331079272
Reliure: Broch�
Nombre de pages: 56
Coordonn�es du fabricant: Copytech (UK) Ltd, Trading as Printondemand-worldwide.com
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Capacity to Pay and Farm Financing (Classic Reprint)

Laurence Joseph Norton, Joseph Ackerman

Edit� par Forgotten Books, 2018

ISBN 10 : 0331079275 ISBN 13 : 9780331079272

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Vendeur : Forgotten Books, London, Royaume-Uni

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Paperback. Etat : New. Print on Demand. This book delves into the complicated relationship capitalist between farmers and lenders. Blending analysis of income and expenses from 1935 farm account ledgers with insights from interviews with Illinois farmers, the author explores the question of farmers' ability to repay loans from their earnings. It examines the extent to which traditional measures like debt to property ratios and financial statements can accurately measure that ability. This book reveals that farmers of only average ability can pay off debts incurred beyond their capacity to repay with income, adding to their precarious financial situation. The author concludes that unless lenders are willing to adopt severe foreclosure procedures, collateral lending will give them a false sense of security and that lenders must base loans on the borrowers' capacity to repay out of income if they wish to avoid losses. This book is a reproduction of an important historical work, digitally reconstructed using state-of-the-art technology to preserve the original format. In rare cases, an imperfection in the original, such as a blemish or missing page, may be replicated in the book. print-on-demand item. N� de r�f. du vendeur 9780331079272_0

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