id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ajoaa-543	Akudugu, M. A	Estimation of the Determinants of Credit Demand by Farmers and Supply by Rural Banks in Ghana’s Upper East Region	2012	13	.pdf	application/pdf	9157	403	51	Due to the savings before credit policy by most Rural Banks, people who saved with them mostly demanded credit from them (Rural Banks) since the principal motive for saving with the banks is to get credit in return. This finding of negative influence of long and complicated application procedures on the demand for credit from Rural Banks by farmers is consistent with the findings of Akudugu et al. (2009), Nathan et al. (2004) and Johnson (2004) that cumbersome application procedures deter people, especially illiterates, from demanding credit from formal sources.	cache/ajoaa-543.pdf	txt/ajoaa-543.txt