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Abstract
A linear discriminant model is used to identify loan and borrower characteristics associated with successful and default seasonal agricultural loans at the Agricultural Bank of Transkei in 1991. Results indicate that small-scale farmers with a proven credit history, higher repayment ability and collateral, and relatively more off-farm income were less likely to be default risks.
'n Liniêre diskriminant model is gebruik om eienskappe van lenings- en leners te identifiseer wat geassosieer kan word met suksesvolle en agterstallige seisoenslenings van die Transkei Landboubank. Resultate dui daarop dat kleinboere met 'n beproefde kredietgeskiedenis, beter terugbetaal vermoë en groter kollateraal en ook hoër nie-landbou-inkome nie geneig is om te versuim om hulle lenings terug te betaal nie.