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Structural problems of agricultural sector lending

Elay Zeynalli Jalal

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

3203 ­ ­ 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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Vahid. Amrahov

Azerbaijan State Agricultural University

  Ph.D., docent  

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Abrehet. Mehari

Lecturer in Ethiopia Civil Service University, Ethiopia, Addis Ababa; Ph.D. candidate in Azerbaijan State University of Economics

   

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Tahmasib. Huseynov

Azerbaijan State University of Economics (UNEC)

  Doctor of Philosophy in Economics  

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Gunel. Naghiyeva

Master of Azerbaijan State University of Economics (UNEC)

   

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Sabuhi. Eldarov

Research Institute of Plant Protection and Technical Plants

   

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Talib. Huseynov

PhD student of the Agricultural Economics Research Center

   

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Azer. Gurbanzadeh

Azerbaijan Cooperation University

  Ph.D., docent  

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Gamar. Ibrahimova

Special Constructor Technology Bureau of the National Aerocosmic Agency

   

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Rovshan. Guliyev

Azerbaijan State Economic University (UNEC)

  prof, dr  

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Fakhraddin. Aghayev

Vegetable Research Institute

   

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Bagish. Ahmadov

Deputy Director of the Agricultural Economics Research Center

  Doctor of Philosophy in Economics  

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Farman. Guliyev

Scientific Research Institute of Fruit-growing and Tea-growing

   

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Fariz. Suleymanov

Ph.D. student of the Azerbaijan State Agrarian University

   

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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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Nazrin. Ramazanova

Master of Azerbaijan State University of Economics (UNEC)

   

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Mushfiga. Mammadova

Agricultural Economics Research Center

  Ph.D., docent