{"id":"https://openalex.org/W2465113013","doi":null,"title":"Factors influencing demand for credit from formal and informal sources in Gujranwala district, Pakistan : a case of Commercial Banks and Arties","display_name":"Factors influencing demand for credit from formal and informal sources in Gujranwala district, Pakistan : a case of Commercial Banks and Arties","publication_year":2012,"publication_date":"2012-01-01","ids":{"openalex":"https://openalex.org/W2465113013","mag":"2465113013"},"language":"en","primary_location":{"id":"pmh:oai:brage.bibsys.no:11250/187871","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/11250/187871","pdf_url":"http://hdl.handle.net/11250/187871","source":{"id":"https://openalex.org/S4306400255","display_name":"BIBSYS Brage (BIBSYS (Norway))","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I173212132","host_organization_name":"Vilnius University","host_organization_lineage":["https://openalex.org/I173212132"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"66","raw_type":"Master thesis"},"volume":null,"type":"dissertation","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://hdl.handle.net/11250/187871","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Tanveer Hussain","orcid":"https://orcid.org/0000-0003-4423-3087","observed_orcids":["https://orcid.org/0000-0003-4423-3087"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Tanveer Hussain","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0003-4423-3087","affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":4,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9965999722480774,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9965999722480774,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.00139999995008111,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.0003000000142492354,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-demand","display_name":"credit demand","score":0.9330000281333923},{"id":"https://openalex.org/keywords/rice-farmers","display_name":"rice farmers","score":0.8320000171661377},{"id":"https://openalex.org/keywords/agricultural-credit","display_name":"agricultural credit","score":0.6050000190734863},{"id":"https://openalex.org/keywords/commercial-banks","display_name":"commercial banks","score":0.6259999871253967},{"id":"https://openalex.org/keywords/informal-credit","display_name":"informal credit","score":0.6209999918937683},{"id":"https://openalex.org/keywords/collateral-requirements","display_name":"collateral requirements","score":0.5789999961853027},{"id":"https://openalex.org/keywords/farm-size","display_name":"farm size","score":0.7950000166893005},{"id":"https://openalex.org/keywords/income-level","display_name":"income level","score":0.5220000147819519},{"id":"https://openalex.org/keywords/payback-period","display_name":"payback period","score":0.7379999756813049}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5122989416122437}],"mesh":[],"locations_count":3,"locations":[{"id":"pmh:oai:brage.bibsys.no:11250/187871","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/11250/187871","pdf_url":"http://hdl.handle.net/11250/187871","source":{"id":"https://openalex.org/S4306400255","display_name":"BIBSYS Brage (BIBSYS (Norway))","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I173212132","host_organization_name":"Vilnius University","host_organization_lineage":["https://openalex.org/I173212132"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"66","raw_type":"Master thesis"},{"id":"pmh:oai:nmbu.brage.unit.no:11250/187871","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/11250/187871","pdf_url":null,"source":{"id":"https://openalex.org/S7407064446","display_name":"NORA - Norwegian Open Research Archives","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"other-oa","license_id":"https://openalex.org/licenses/other-oa","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"66","raw_type":"info:eu-repo/semantics/masterThesis"},{"id":"mag:2465113013","doi":null,"is_oa":false,"landing_page_url":"https://brage.bibsys.no/xmlui/handle/11250/187871","pdf_url":null,"source":{"id":"https://openalex.org/S4363604922","display_name":"66","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"other"},"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":"66","raw_type":null}],"best_oa_location":{"id":"pmh:oai:brage.bibsys.no:11250/187871","doi":null,"is_oa":true,"landing_page_url":"http://hdl.handle.net/11250/187871","pdf_url":"http://hdl.handle.net/11250/187871","source":{"id":"https://openalex.org/S4306400255","display_name":"BIBSYS Brage (BIBSYS (Norway))","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I173212132","host_organization_name":"Vilnius University","host_organization_lineage":["https://openalex.org/I173212132"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"66","raw_type":"Master thesis"},"sustainable_development_goals":[{"display_name":"Zero hunger","id":"https://metadata.un.org/sdg/2","score":0.875}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[{"id":"https://openalex.org/F4320324888","display_name":"Norges Milj\u00f8- og Biovitenskapelige Universitet","ror":"https://ror.org/04a1mvv97"}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2465113013.pdf","grobid_xml":"https://content.openalex.org/works/W2465113013.grobid-xml"},"referenced_works_count":11,"referenced_works":["https://openalex.org/W45318715","https://openalex.org/W390771207","https://openalex.org/W409710625","https://openalex.org/W1523787688","https://openalex.org/W1557459633","https://openalex.org/W2105495436","https://openalex.org/W2154756139","https://openalex.org/W2186006630","https://openalex.org/W2290729679","https://openalex.org/W2475515783","https://openalex.org/W3121233069"],"related_works":["https://openalex.org/W2972579676","https://openalex.org/W7029273750","https://openalex.org/W2506699917","https://openalex.org/W3043262388","https://openalex.org/W2991644571","https://openalex.org/W2244243477","https://openalex.org/W2016411300","https://openalex.org/W346150210","https://openalex.org/W7099612994","https://openalex.org/W3108988919"],"abstract_inverted_index":{"The":[0,29,42,198,242],"intention":[1],"of":[2,10,18,81,108,117,133,175,195,234,240],"this":[3,103],"research":[4],"was":[5,56],"to":[6,138,177,183],"examine":[7],"the":[8,87,106,173,217,246,251],"effects":[9],"social":[11],"and":[12,23,52,68,79,112,124,146,182,192,231],"economic":[13],"factors":[14,59,89,98],"on":[15,115,119,130,163],"credit":[16],"\\ndemand":[17],"rice":[19,184,213,248],"growers":[20,185,214],"from":[21,32,86],"arties":[22,69,129,226],"banks":[24,67,170,205],"in":[25,64,143,180,186],"Gujranwala":[26],"district,":[27],"Pakistan.":[28],"Crosssectional":[30],"data":[31],"313":[33],"randomly":[34],"selected":[35],"loan":[36],"beneficiaries":[37],"(rice":[38],"growers),":[39],"were":[40,44],"obtained.":[41],"\\ndata":[43],"analyzed":[45],"by":[46,102,122,128,204],"using":[47],"multiple":[48],"regression,":[49],"t-test,":[50],"percentages":[51],"frequency":[53],"distributions.":[54],"\\nIt":[55],"concluded":[57],"that":[58,169,210],"which":[60,90,257],"showed":[61],"significant":[62],"results":[63],"both":[65],"sources":[66],"\\nwere":[70],"farm":[71],"size,":[72],"income":[73],"level,":[74],"time":[75],"requirement,":[76],"payback":[77],"period":[78],"no.":[80],"dependent":[82],"schooling":[83],"\\nchildren.":[84],"Apart":[85],"mentioned":[88],"other":[91],"studies":[92],"have":[93,99],"also":[94,125],"established,":[95],"more":[96],"\\ninteresting":[97],"been":[100],"identified":[101],"study":[104],"including":[105],"question":[107],"trust":[109,145],"between":[110],"\\nArties":[111],"borrowers":[113,118,154],"built":[114],"information":[116,136,191],"reputation":[120],"obtained":[121],"Arties":[123],"\\nfollow":[126],"up":[127,194],"borrowers\u2019":[131],"use":[132,250],"credit.":[134],"Here":[135],"seems":[137],"play":[139],"a":[140],"crucial":[141],"role":[142],"\\nbuilding":[144],"therefore":[147],"easing":[148],"conditions":[149],"for":[150,253,256],"borrowing":[151],"since":[152],"most":[153],"received":[155],"their":[156,196],"\\nloans":[157],"without":[158],"any":[159],"collateral":[160,207,222],"conditions.":[161,223],"Based":[162],"these":[164],"results,":[165],"it":[166,258],"is":[167,259],"suggested":[168],"must":[171,201,227,249],"\\nimprove":[172],"amount":[174],"loans":[176],"agriculture":[178],"sector":[179],"general":[181],"particular":[187],"\\ntaking":[188],"into":[189],"account":[190],"follow":[193],"clients.":[197],"lenient":[199],"polices":[200],"be":[202],"\\nformulated":[203],"regarding":[206],"securities":[208],"so":[209],"small":[211],"scale":[212],"can":[215],"avail":[216],"\\nloan":[218,252],"facilities":[219],"at":[220],"lesser":[221],"Besides":[224],"it,":[225],"reduce":[228],"commission":[229],"rate":[230],"\\nother":[232],"type":[233],"charges":[235],"(per":[236],"acre":[237],"fixed":[238],"quantity":[239],"rice).":[241],"least":[243],"but":[244],"not":[245],"last,":[247],"same":[254],"purpose":[255],"granted.":[260]},"counts_by_year":[{"year":2021,"cited_by_count":1},{"year":2019,"cited_by_count":1},{"year":2017,"cited_by_count":1},{"year":2015,"cited_by_count":1}],"updated_date":"2026-09-29T14:09:16.559479","created_date":"2016-07-22T00:00:00"}
