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Impact of Competition on Efficiency of Microfinance Institutions: Cross Country Comparison of India and Bangladesh 竞争对小额信贷机构效率的影响:印度和孟加拉国的跨国比较
Q2 Social Sciences Pub Date : 2021-05-19 DOI: 10.1177/09730052211005244
Joyee Deb, R. Sinha
Increased competition coupled with commercialisation in the Indian microfinance sector has brought about many major transformations. From an impact-driven development programme, microfinance institutions (MFIs) today emerged as commercially oriented profit-making entities. In addition to bringing their commercial and social objectives into balance, MFIs today are striving for efficient level of operation. Efficiency in the level of operation of MFIs allows them to remain competitive and attain financial sustainability. However, it is also imperative for MFIs to remain socially committed towards the ultimate mission of reaching the poorest at the bottom of the pyramid. Hence, it is of research interest to see the trade-off between MFIs’ social objective of spreading outreach and at the same time remaining financially sustainable. Against this backdrop, this article is devoted to study the potential impact of competition and commercialisation on efficiency of MFIs in India and Bangladesh. The study is carried over 75 MFIs altogether over the period of 8 years from 2009 to 2016. The data have been collected from microfinance information exchange database. Efficiency is measured through technical efficiency (TE) scores as estimated under data envelopment analysis. In order to establish the association between competitions, which is estimated by the Herfindahl–Hirschman index (HHI), tobit regression is used. The study evidenced increasing level of competition in the sector over the years, but it is more pronounced in India as against Bangladesh. In order to analyse the trade-off, TE scores are separately estimated under both financial and social measures. TE score is found to be higher in case of social measures of efficiency as against financial efficiency. Further, under both the measures, competition is found to be having a significant impact on both financial and social efficiency.
竞争加剧,加上印度小额信贷行业的商业化,带来了许多重大变革。小额金融机构从一个受影响驱动的发展方案发展到今天成为以商业为导向的营利实体。除了平衡其商业和社会目标外,小额金融机构今天还努力提高运营效率。小额金融机构运作水平的效率使它们能够保持竞争力并实现财务可持续性。然而,小额金融机构也必须继续致力于实现惠及金字塔底部最贫穷者的最终使命。因此,研究小额金融机构扩大外联的社会目标与同时保持财政可持续性之间的权衡是有意义的。在此背景下,本文致力于研究竞争和商业化对印度和孟加拉国小额金融机构效率的潜在影响。该研究在2009年至2016年的8年时间里对75家小额金融机构进行了研究。这些数据是从小额金融信息交流数据库中收集的。效率是通过数据包络分析下估计的技术效率(TE)分数来衡量的。为了建立由赫芬达尔-赫希曼指数(HHI)估计的竞争之间的关联,使用了托比特回归。这项研究证明,多年来,该行业的竞争水平不断提高,但与孟加拉国相比,印度的竞争更为明显。为了分析权衡,在财务和社会指标下分别估计TE得分。在效率的社会衡量的情况下,TE得分高于财务效率。此外,根据这两项措施,竞争对财政和社会效率都产生了重大影响。
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引用次数: 4
Influence of Economic Benefits and Social Interaction on Buyer Participation in a Rural Retail Institution: Study of an Indian Periodic Market 经济效益和社会互动对农村零售机构购买者参与的影响:基于印度周期性市场的研究
Q2 Social Sciences Pub Date : 2021-05-10 DOI: 10.1177/09730052211008294
S. K. Velayudhan
Retail institutions offer economic and social benefits to the participants in a market. It is expected that in a less developed economy the social factors influence economic behaviour much more than in developed economies. The rural markets offer increased opportunities for the influence of social factors on economic transactions. This study examined the case of a rural periodic market. To ensure reliability the case study protocol questions reflected propositions developed on the research questions. It was expected that the participants would exhibit the influence of social relations in their market transactions. The results indicated that the economic benefits than social considerations influenced participant behaviour in the rural periodic market. Contrary to expectations not all consumers in a less developed economy exhibit social embeddedness in economic behaviour. Implications are for policymakers involved in planning and regulating rural markets. They need to take into consideration the differing behaviour of consumer groups in designing or regulating retail markets. This study examining the social embeddedness of buyer behaviour in the rural retail context of a less developed economy is presumably the first.
零售机构为市场参与者提供经济和社会效益。预计在欠发达经济体中,社会因素对经济行为的影响要比发达经济体大得多。农村市场为社会因素对经济交易的影响提供了更多的机会。本研究考察了农村周期性市场的案例。为了确保可靠性,案例研究方案问题反映了在研究问题上发展起来的命题。预计参与者将在其市场交易中表现出社会关系的影响。结果表明,经济效益对农村周期性市场参与者行为的影响大于社会因素。与预期相反,并非所有欠发达经济体的消费者在经济行为中都表现出社会嵌入性。这对参与规划和管理农村市场的政策制定者来说意义重大。在设计或监管零售市场时,他们需要考虑到消费者群体的不同行为。这项研究考察了欠发达经济体农村零售背景下买家行为的社会嵌入性,这大概是第一次。
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引用次数: 2
Livelihood Promotion: Can the Collectives of NRLM Really Do It? 民生促进:NRLM的集体真的能做到吗?
Q2 Social Sciences Pub Date : 2021-05-05 DOI: 10.1177/09730052211000875
H. S. Shylendra
As a new generation development programme, the National Rural Livelihood Mission (NRLM) has sought to promote collectives of the poor women as the corner-stone of its strategy for livelihood promotion. The livelihood enhancement is meant to be actualised through a multi-dimensional strategy of livelihood protection and promotion. The paper hypothesised that despite their avowed goal, the collectives of women are bound to face enormous challenges in the livelihood promotion in the absence of an integrated approach more so in the context of neoliberalism. The findings of the paper corroborate the hypothesis to a great extent. Contrary to the theoretical visualisation of institutionalists, collectives of poor have faced challenges in their self-reliant emergence. The intervention has emerged more as a minimalist microfinance with inherent limitations regarding poverty alleviation. The paper concludes that the collectives of NRLM have a long way to go before they can emerge as strong livelihood promoting agencies. Sustained support to build the capacities of the fledging collectives, a reversal of the top–down elements of their multi-tier structure and the strong need for greater role clarity for the collectives along with professional support are some of the policy suggestions.
作为新一代发展方案,全国农村生计特派团设法促进贫穷妇女的集体,作为其促进生计战略的基石。民生改善是通过多维度的民生保护和促进战略来实现的。本文假设,尽管她们公开宣称的目标,在缺乏综合方法的情况下,妇女集体在促进生计方面必然面临巨大的挑战,尤其是在新自由主义的背景下。本文的研究结果在很大程度上证实了这一假设。与制度主义者的理论设想相反,穷人集体在自力更生的过程中面临着挑战。这种干预更像是一种最低限度的小额供资,在减轻贫困方面具有固有的局限性。本文的结论是,要想成为强有力的生计促进机构,农村自然资源管理集体还有很长的路要走。一些政策建议是,持续支持建立新兴集体的能力,扭转其多层结构中自上而下的因素,强烈需要使集体的作用更加明确,并提供专业支持。
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引用次数: 0
Resilience Thinking in the Rural Human Settlements’ Development and Management 农村人居环境开发与管理中的韧性思维
Q2 Social Sciences Pub Date : 2021-04-28 DOI: 10.1177/09730052211001674
I. Chirisa, V. Nel
The article makes a case for the integration of resilience thinking in the debate on rural human settlements in the regional planning. It observes the numerous definitions of resilience within different research traditions, disciplines and fields, such as sociology, psychology, medicine, engineering, economics, ecology and political science have affected the decision-making processes in different human settlements across the globe. The dynamics of integrating resilience theory and practice into rural settlement planning and implications for sustainable development are little understood. The paper suggests the broadening of resilience drawing on diverse perspectives that appeal to wide ranging interdisciplinary experiences. Using the multi-case study approach, the article suggests how ideas of resilience can be translated into practice and how practices of resilience can be theorised in the context of the regional planning in Zimbabwe. Undoubtedly, an integrated framework for the development country’s space economy should accommodate a wide range of concepts, strategies and models of resilience together with the underpinning policy implementation modalities.
文章提出了将乡村人居环境辩论中的复原力思维纳入区域规划的理由。它观察到,社会学、心理学、医学、工程、经济学、生态学和政治学等不同研究传统、学科和领域对复原力的众多定义影响了全球不同人类住区的决策过程。将复原力理论和实践纳入农村住区规划的动态以及对可持续发展的影响知之甚少。该论文建议从不同的角度扩大复原力,这些角度吸引了广泛的跨学科经验。文章采用多案例研究的方法,提出了如何将复原力的理念转化为实践,以及如何在津巴布韦区域规划的背景下对复原力的实践进行理论化。毫无疑问,发展中国家空间经济的综合框架应包含广泛的复原力概念、战略和模式,以及基本的政策执行模式。
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引用次数: 1
Adaptation Strategies and Farmer-led Agricultural Innovations to Climate Change in Mbire Districtof Zimbabwe 津巴布韦Mbire地区气候变化适应战略和农民主导的农业创新
Q2 Social Sciences Pub Date : 2021-04-22 DOI: 10.1177/0973005221999913
Peter Asare-Nuamah, Mclarence Shungu Mandaza, A. F. Amungwa
This study explores adaptation and farmer-led agricultural innovation strategies of smallholder farmers in Mbire District of Zimbabwe. Guided by explanatory sequential mixed methods design, 201 smallholder farmers were selected through multistage probability sampling technique and 18 participants were purposively selected. The instruments for the study included questionnaire and interview, which were analysed through basic descriptive and thematic analysis, respectively. The results show that smallholder farmers have adapted to climate change through multiple strategies including planting improved and drought resistant crops, cultivating fewer plots, mixed cropping, keeping more livestock, applying agrochemicals and local ecological knowledge as well as livelihood diversification, which are influenced by gender, education and farm size of respondents. The respondents have diversified their livelihood by engaging in brick moulding, sales of livestock, petty trade and dependence on remittance and social safety net as well as reduction in size and number of diets. The study identified financial, technological, social, institutional and information barriers to farmers’ adaptation. Farmer-led innovations identified by this study included planting Kanongo open pollinated variety of maize, pen fattening, over mulching, cassava cultivation and staggered planting. The implications of the results are teased out and policy recommendations are suggested.
本研究探讨了津巴布韦Mbire地区小农的适应和农民主导的农业创新战略。采用解释序贯混合方法设计,采用多阶段概率抽样技术,选取201名小农,其中有目的抽取18名。研究的工具包括调查问卷和访谈,分别通过基本的描述分析和专题分析进行分析。结果表明,小农通过多种策略适应气候变化,包括种植改良抗旱作物、减少种植面积、混合种植、饲养更多牲畜、使用农药和当地生态知识以及生计多样化,这些策略受受访者性别、教育程度和农场规模的影响。受访者通过从事制砖、牲畜销售、小额贸易、依赖汇款和社会安全网以及减少饮食规模和数量等方式实现了生计多样化。该研究确定了农民适应的金融、技术、社会、制度和信息障碍。这项研究确定的农民主导的创新包括种植Kanongo开放式授粉玉米品种、圈养、覆盖、木薯种植和交错种植。研究人员梳理了研究结果的含义,并提出了政策建议。
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引用次数: 7
Agri-Environmental Sustainability of Indian Agriculture: A State Level Analysis 印度农业的农业环境可持续性:国家层面的分析
Q2 Social Sciences Pub Date : 2021-04-22 DOI: 10.1177/09730052211007606
S. Mukherjee
Improving economic viability of Indian agriculture is contingent upon agri-environmental sustainability (AES). Objective assessment of environmental costs of agriculture is lacking in India. Unless internalise environmental impacts of agriculture will be borne by the society at large, in terms of depletion and degradation of water resources, land degradation and emissions of greenhouse gases, etc. To assess AES of Indian agriculture, the present article builds a comprehensive agri-environmental sustainability index (AESI) based on 40 agri-environmental indicators. The study captures both spatial and temporal aspects of AES by covering 17 major Indian states over 24 years (1990–1991 to 2013–2014). The estimated AESI scores are validated with outcome indicators (e.g., groundwater depletion, depletion of soil nutrients). The results show that states having higher score in Sustainable Irrigation Index are facing lower fall in groundwater level and there are negative correlations across sub-indices of AESI and macronutrient deficiencies in soil. An inverse relationship between AESI scores and agricultural intensity (as measured by average productivity of foodgrains in kilograms per hectare) is also observed. The study comes out with policy suggestions which could help to attain AES of Indian agriculture.
提高印度农业的经济可行性取决于农业环境的可持续性。印度缺乏对农业环境成本的客观评估。除非农业的内部环境影响将由整个社会承担,如水资源的消耗和退化、土地退化和温室气体排放等。为了评估印度农业的AES,本文基于40个农业环境指标建立了一个综合农业环境可持续性指数(AESI)。该研究涵盖了印度17个主要邦24年(1990-1991年至2013-2014年)的AES的空间和时间方面。估计的AESI得分通过结果指标(如地下水耗竭、土壤养分耗竭)进行验证。结果表明,在可持续灌溉指数中得分较高的州面临着较低的地下水位下降,AESI子指数与土壤中大量养分缺乏呈负相关。还观察到AESI评分与农业强度(以每公顷公斤粮食的平均生产力衡量)之间的反比关系。该研究提出了有助于实现印度农业AES的政策建议。
{"title":"Agri-Environmental Sustainability of Indian Agriculture: A State Level Analysis","authors":"S. Mukherjee","doi":"10.1177/09730052211007606","DOIUrl":"https://doi.org/10.1177/09730052211007606","url":null,"abstract":"Improving economic viability of Indian agriculture is contingent upon agri-environmental sustainability (AES). Objective assessment of environmental costs of agriculture is lacking in India. Unless internalise environmental impacts of agriculture will be borne by the society at large, in terms of depletion and degradation of water resources, land degradation and emissions of greenhouse gases, etc. To assess AES of Indian agriculture, the present article builds a comprehensive agri-environmental sustainability index (AESI) based on 40 agri-environmental indicators. The study captures both spatial and temporal aspects of AES by covering 17 major Indian states over 24 years (1990–1991 to 2013–2014). The estimated AESI scores are validated with outcome indicators (e.g., groundwater depletion, depletion of soil nutrients). The results show that states having higher score in Sustainable Irrigation Index are facing lower fall in groundwater level and there are negative correlations across sub-indices of AESI and macronutrient deficiencies in soil. An inverse relationship between AESI scores and agricultural intensity (as measured by average productivity of foodgrains in kilograms per hectare) is also observed. The study comes out with policy suggestions which could help to attain AES of Indian agriculture.","PeriodicalId":39177,"journal":{"name":"International Journal of Rural Management","volume":"18 1","pages":"184 - 205"},"PeriodicalIF":0.0,"publicationDate":"2021-04-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://sci-hub-pdf.com/10.1177/09730052211007606","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49349767","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Contribution of Maize-based Products to the Livelihood of Smallholder Processors in Rural Northern Nigeria 玉米产品对尼日利亚北部农村小农加工商生计的贡献
Q2 Social Sciences Pub Date : 2021-04-07 DOI: 10.1177/0973005221998244
Ojide Gabriel Makuachukwu, Maziya-Dixon Busie, A. Tahirou
In the smallholder value chains of maize, diversification of utilisation is an essential strategy towards enhancing the benefits drivable from the increase in maize production. This article identifies the contribution of maize-based products on poverty level among smallholder processors. The study, which was conducted in 30 rural communities in northern Nigeria, involved Focus Group Discussions and survey of 300 smallholder processors of maize-based products. Descriptive and inferential analyses were used. The results show that average annual profit among the interviewed smallholder processors of maize-based products was approximately N425,506 (about US$1,400). These processors faced several constraints which tend to keep them under poverty trap (vicious cycle of poverty). The result of the estimated two-step Tobit model shows that, with necessary interventions, profit from maize-based products has the capacity of keeping these processors out of poverty trap. The result indicates that as profit from maize-based products increases, the poverty probability index that household is not below poverty line of $1.90/day at 2011 purchase–power parity increases (p < 0.05). Thus, household poverty among rural smallholder processors of maize-based product could be reduced drastically through interventions targeted at mitigating the identified constraints.
在玉米的小农户价值链中,多样化利用是提高玉米产量带来的效益的重要战略。本文确定了玉米产品对小农户加工商贫困水平的贡献。这项研究在尼日利亚北部的30个农村社区进行,涉及焦点小组讨论和对300名玉米产品小农户加工商的调查。采用描述性和推理性分析。结果显示,受访的玉米产品小农户加工商的平均年利润约为25506挪威元(约1400美元)。这些加工商面临着一些限制,这些限制往往使他们陷入贫困陷阱(贫困的恶性循环)。估计的两步Tobit模型的结果表明,通过必要的干预,玉米产品的利润有能力使这些加工商摆脱贫困陷阱。结果表明,随着玉米产品利润的增加,2011年购买力平价时家庭不低于1.90美元/天贫困线的贫困概率指数增加(p<0.05)。因此,通过旨在缓解已确定的制约因素的干预措施,可以大幅减少玉米产品农村小农户加工商的家庭贫困。
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引用次数: 0
Are Land Conflicts Documented Sufficiently in India? 印度的土地冲突记录充分吗?
Q2 Social Sciences Pub Date : 2021-03-29 DOI: 10.1177/0973005221997591
P. Singh, Abhishek Nair, Jofri Issac
Land conflicts are impediments to socio-economic development. Understanding drivers and types of land conflicts is vital for peaceful conflict resolution and enhancing the effectiveness of institutions and agencies dealing with such issues. This article tries to develop and apply a methodology for tracking and characterising drivers and the types of land conflicts in India. We have applied the methods to peer-reviewed articles and thesis in the English language on land conflicts in India. Our results shed light on the most evident drivers and types of land conflict in India while challenging and supporting common assumptions. The key finding of our study indicates land administration as being the primary driver of land conflicts in India, followed by political, socio-economic and sociocultural factors. The most important type of land conflict occurring in India involves boundary or territorial conflicts. Of late, several conflicts are reported over special economic zones, which are also related to poor land administration and erroneous planning processes by the government actors. However, the published study reporting land conflicts in India fails to identify the root cause of such conflicts. In order to ensure better land administration, there need to have reasonably accurate and up-to-date records, which studies have not been able to identify. Another primary reason of land conflicts, which the studies have failed to acknowledge, is the problems germane to the prevailing land tenure system in India.
土地冲突是社会经济发展的障碍。了解土地冲突的驱动因素和类型对于和平解决冲突和提高处理此类问题的机构和机构的效力至关重要。本文试图开发和应用一种方法来跟踪和描述印度土地冲突的驱动因素和类型。我们将这些方法应用于同行评审的关于印度土地冲突的英文文章和论文。我们的研究结果揭示了印度土地冲突最明显的驱动因素和类型,同时挑战和支持了常见的假设。我们研究的关键发现表明,土地管理是印度土地冲突的主要驱动因素,其次是政治、社会经济和社会文化因素。印度发生的最重要的土地冲突类型涉及边界或领土冲突。最近,据报道,经济特区发生了几起冲突,这也与土地管理不善和政府行为者错误的规划过程有关。然而,已发表的报告印度土地冲突的研究未能确定此类冲突的根本原因。为了确保更好的土地管理,需要有合理准确和最新的记录,而研究无法确定这些记录。土地冲突的另一个主要原因是与印度现行的土地保有制度密切相关的问题,而这些研究没有承认这一点。
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引用次数: 0
Farmer Producer Company: India’s Magic Bullet to Realise Select SDGs? 农民生产公司:印度实现可持续发展目标的灵丹妙药?
Q2 Social Sciences Pub Date : 2021-03-23 DOI: 10.1177/0973005221991660
Mamta Mourya, M. Mehta
Sustainable development goals (SDGs) are designed for the betterment of the underprivileged and the marginalised. Some of the sub-goals target doubling agricultural productivity and incomes of the small-scale food producers to realise the SDGs. Access to land, technology, inputs and financial services, opportunities for value addition and markets, non-farm employment and effective and transparent institutions that ensure responsive, inclusive, participatory and representative decision-making at all levels are assumed to be the means to that end. Based on the Alagh Committee report’s recommendations, to address the voids in the existing form of collectives, producer company as a new legal option was introduced in 2003 by amending the Companies Act. This new form of collective is expected to combine efficiency and professional management of the company form and the cooperative principles necessitating ownership and participation of and governance by producers. This study takes a mixed-method approach. It qualitatively inquires about member’s perception of roles farmer producer companies (FPCs) play in their lives and livelihood. With the help of performance data from five FPCs, this study elaborates on the promises this form holds in realising some of the SDGs and challenges FPCs facing that could make achieving these promises a distant dream.
可持续发展目标旨在改善弱势群体和边缘化群体的生活。一些次级目标的目标是将农业生产力和小规模粮食生产商的收入翻一番,以实现可持续发展目标。人们认为,获得土地、技术、投入和金融服务、增值和市场机会、非农就业以及有效和透明的机构是实现这一目标的手段,这些机构确保各级做出反应迅速、包容各方、参与性强和具有代表性的决策。根据Alagh委员会报告的建议,为了解决现有集体形式中的空白,2003年通过修订《公司法》引入了生产公司作为一种新的法律选择。这种新的集体形式有望结合公司形式的效率和专业管理,以及必须由生产者拥有、参与和治理的合作原则。本研究采用混合方法。它定性地询问了成员对农民生产企业在其生活和生计中所扮演角色的看法。借助五个FPC的绩效数据,本研究阐述了这种形式在实现一些可持续发展目标方面的承诺,以及FPC面临的挑战,这些挑战可能会使实现这些承诺成为遥远的梦想。
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引用次数: 10
Does a Diversified Crop Portfolio Make Farmers More Efficient? A Stochastic Production Frontier Analysis of Farm-level Data from Assam, India 多样化的作物组合能让农民更有效率吗?印度阿萨姆邦农场数据的随机生产前沿分析
Q2 Social Sciences Pub Date : 2021-03-23 DOI: 10.1177/0973005221997580
R. Mandal, Shrabanti Maity
The agriculture sector in India is beset with twin limitations of shrinking cultivable area and absence of major technological breakthroughs in the recent past. In such a situation, a judicious management of the farm in the form of adjustment in a crop portfolio can be quite useful to maximise output and minimise wastage of resources. This article seeks to examine whether a diversified crop portfolio makes the farmers more efficient using farm-level survey data collected from geographically diverse areas of Assam, a state in northeast India. The results of a stochastic production frontier analysis show that adoption of a diversified crop portfolio across crops and seasons makes the farmers more efficient in cultivation by helping them reduce weather-induced damages to crops and reap better returns from farming. This efficiency-enhancing effect of crop diversification is found to be heterogeneous among the regions. However, too much diversification reduces the efficiency of farmers. The results have important implications for Assam where floods cause extensive damage to crops every year. Moreover, access to extension services and government support are found to make the farmers more efficient. On the other hand, fixed-rent form of tenancy reduces efficiency of the farmers while household size has a positive impact on the same.
印度的农业部门受到可耕种面积缩小和近年来缺乏重大技术突破的双重限制。在这种情况下,以调整作物组合的形式对农场进行明智的管理,对于最大限度地提高产量和最大限度地减少资源浪费非常有用。本文试图利用从印度东北部阿萨姆邦的地理不同地区收集的农场级调查数据,研究多样化的作物组合是否使农民更有效率。随机生产前沿分析的结果表明,在不同的作物和季节采用多样化的作物组合,可以帮助农民减少天气对作物的损害,提高种植效率,并从农业中获得更好的回报。作物多样化的增效作用在不同地区存在异质性。然而,过度的多样化降低了农民的效率。这一结果对阿萨姆邦具有重要意义,那里每年的洪水都会对农作物造成严重破坏。此外,获得推广服务和政府支持可以提高农民的效率。另一方面,固定租金形式的租赁降低了农民的效率,而家庭规模对其有积极的影响。
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引用次数: 2
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International Journal of Rural Management
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