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Structural problems of agricultural sector lending

Elay Zeynalli Jalal

0000-0002-6352-662X elayzeynalli@yahoo.com

2672 ­ ­ AZ ­ ­ 49. June 2026 ­ ­­ ­ agricultural credit agricultural financing credit constraints agricultural insurance value chain Azerbaijan

 

https://doi.org/10.30546/19023.2026.01.048.187

UOT: 336.77:338.43

The article is devoted to the systematic identification of existing problems in the field of agricultural sector lending in Azerbaijan and the development of an appropriate typology. The aim of the study is to develop a multi-criteria classification of the problems in agricultural lending in Azerbaijan, to reveal their structural interrelations, and to present specific proposals for their resolution. Within the framework of the research, existing literature has been reviewed and official data from the Central Bank have been analyzed. The problems have been classified into five thematic groups: information and assessment asymmetry, inadequacy of risk-sharing mechanisms, structural mismatch in credit supply, transaction costs and institutional coordination problems, and fragmentation of the value chain. The article proposes the establishment of a multi-tier financial architecture, the development of agricultural insurance, the implementation of value chain financing, and the creation of a digital credit infrastructure

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AUTHORS

 

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Manzar. Nasibova

Senior researcher

   

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Saadat. Hajiyeva

Agricultural Economics Research Center, Deputy director

  Doctor of Philosophy in Economics  

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Anar. Bayramov

Ph.D. student of the Agricultural Research Center

   

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Aykhan. Gadashov

Head of the portal azexport.az Ph.D. student of the Agricultural Research Center

   

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Aygul. Salimova

PhD student of the Agricultural Economics Research Center

   

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Hagar. Namazova

Ph.D. candidate of the Azerbaijan State Economic University (UNEC)

   

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Gulnara. Jafarova

Agricultural Economics Research Center, leading specialist

  Doctor of Philosophy in Economics  

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Naila. Aliyeva

Associate professor of the Azerbaijan State Economic University (UNEC) Doctoral student of the Agro Researches Center

  Doctor of Philosophy in Economics  

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Eldar. Guliyev

Agricultural Economics Research Center

  Ph.D., docent  

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Elchin. Khalilov

Research Institute of Plant Protection and Technical Plants

   

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Javad. Gojamanov

Ph.D. student of Baku State University

   

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Arshad. Yashar

Head of land identification and geographical data sector of the Land use Control Department of the Ministry of Agriculture of the Republic of Azerbaijan

   

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Idris. Hojatov

Ministry of Science and Education of the Republic of Azerbaijan, Institute of Dendrology

  junior researcher  

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Aydin. Asgarov

Institute of Genetic Resources of ANAS

   

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Samir. Akhmedov

Ph.D. student of the Agricultural Economics Research Center

   

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Turana. Mustafayeva

Ph.D. student of Western Caspian University