Higher Off-farm Income Enables Farmers to Borrow More and Increase Investment in Their Operations

Most agricultural lenders extend loans based n their assessment of a borrower's ability to repay debt. Because of this, some farmers may not be able to secure as much credit as they would like for their farm business. A lack of credit could prevent these farmers from expanding production or could restrict investments in productivity-enhancing technologies. Off-farm income may help some farm households qualify for larger loans, which could lead to higher farm output, productivity, and profit.

绝大多数农业信贷机构均基于对借款人偿债能力的评估发放贷款。正因如此，部分农户可能无法为其农场经营获得足额所需的信贷额度。信贷短缺可能阻碍这些农户扩大生产，或是限制其在提升生产效率技术上的投资。非农收入可帮助部分农场家庭获得更高额度的贷款，进而提升农场产出、生产效率与经营利润。