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Structural problems of agricultural sector lending

Elay Zeynalli Jalal

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

1610 ­ ­ 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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Idris. Hojatov

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

  junior researcher  

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Jubril. Animashaun

Department of Economics, The University of Manchester, UK / Department of Agricultural Economics, University of Ilorin, Nigeria

   

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Kamala. Sadygova

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

  researcher  

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Gamar. Ibrahimova

Special Constructor Technology Bureau of the National Aerocosmic Agency

   

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. Shahla

Baku State University

   

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Aygun. Salimova

Student of Azerbaijan State University of Economics (UNEC)

   

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Zohra. Abbasova

Ph.D. student of the Agro Researches Center

   

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Jalal. Safarov

Ph.D. student of the Agricultural Research Center

   

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Tarlan. Gorchiyeva

PhD student of the Agricultural Economics Research Center

   

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Lotanna. Emediegwu

Department of Economics, The University of Manchester, UK | Department of Agricultural Economics, University of Ilorin, Nigeria | Department of Economics, Policy and International Business, Manchester Metropolitan University, UK

   

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Said. Mustafayev

Ph.D. student of the Agricultural Research Center

   

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Boyukxanum. Abdulkarim

Baku State University

   

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Fakhraddin. Aghayev

Vegetable Research Institute

   

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Vugar. Mehdiyev

h.D., Associate Professor, V.M. Mehdiyev Azerbaijan University of Cooperation

  Ph.D., docent  

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Gunel. Naghiyeva

Master of Azerbaijan State University of Economics (UNEC)

   

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Bakhtiyar. Babashli

National Aviation Academy, PhD Candidate

  Ph.D.