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Structural problems of agricultural sector lending

Elay Zeynalli Jalal

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

1247 ­ ­ 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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Akram. Hasanzada

Ph.D. student of the Agricultural Research Center

   

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Savalan. Seyfaddinov

Senior researcher at the Scientific Research Institute of Agriculture Ministry of Agriculture of the Republic of Azerbaijan

  Ph.D. in Agrarian Sciences  

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Farman. Karimov

Research Institute of Plant Protection and Technical Plants

   

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Galib. Hajiyev

Department of “Economy of enterprise” of Azerbaijan State University of Economics (UNEC)

  Ph.D., docent  

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Aygun. Shirin

Ph.D. student of the Agricultural Research Center Azerbaijan Technical University

   

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Konul. Mamedova

Ph.D. student of the Agricultural Economics Research Center

   

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Rasul. Balayev

Azerbaijan State University of Economics, professor

  prof, dr  

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Samira. Akbarova

Ph.D. student of Azerbaijan Technological University Lecturer at Mingachevir State University

   

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Natig. Javadov

Azerbaijan State Agrarian University

  prof, dr  

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Kamala. Sadygova

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

  researcher  

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Tarlan. Gorchiyeva

PhD student of the Agricultural Economics Research Center

   

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Ayhan. Satıcı

Azerbaijan State University of Economics, PhD student

   

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Tamraz. Tamrazov

Vegetable Research Institute

   

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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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Ulviyya. Rasulova

Azerbaijan State University of Economics (UNEC)

   

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Heydar. Agayev

Ph.D. student of the Azerbaijan Cooperation University