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Structural problems of agricultural sector lending

Elay Zeynalli Jalal

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

1251 ­ ­ 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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Ramil. Huseyn

Center for Economic Reforms and Communication

  Doctor of Economics  

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Talib. Huseynov

PhD student of the Agricultural Economics Research Center

   

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Samir. Agayev

Ph.D. student of Azerbaijan State Economic University (UNEC)

   

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Said. Mustafayev

Ph.D. student of the Agricultural Research Center

   

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Vuqar. Namazov

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

   

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Narmin. Sattarova

Ph.D. student of the Odlar Yurdu University

   

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Yunus. Sadigov

Azerbaijan National Academy of Sciences, Institute of Economics, Lead Researcher

  Ph.D., docent  

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Elnur. Alakbarov

Dissertant of the Agricultural Economics Research Center

   

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Faiq. Gasimli

PhD student of the Agricultural Economics Research Center

   

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Shovkat. Yusufova

Azerbaijan Cooperation University

  Ph.D., docent  

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Khayyam. Javadzadeh

Azerbaijan State University of Economics, UNEC

  Ph.D., docent  

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Zaur. Asadov

Azerbaijan State Oil and Industrial University

  Doctor of Philosophy in Economics  

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Farman. Guliyev

Scientific Research Institute of Fruit-growing and Tea-growing

   

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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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Mushfiga. Mammadova

Agricultural Economics Research Center

  Ph.D., docent  

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Jubril. Animashaun

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