[Analytical study of the total cost structure of the Agricultural Credit Corporation (ACC) in Jordan]
1989
Al-Zubaidi, Kh.S.D.
Analysis of the total cost structure of the Agricultural Credit Corporation (ACC) in Jordan for the period 1972-1987. This MSc research examined thoroughly the total costs of the corporation over the period 1972-1987, looking at the changes in size and composition of these costs, its rate of growth, and its effect on lending ability of ACC. A descriptive analysis preceeded the time series; computerized statistical analysis have been done using the two equations below estimating the average proportional growth cost components: Eq .1. y = A H** (B Z) Eq .2. Y = A X** (B) where: Y = value of the variable, X = time, A = constant, B = constant, Z = time. The research showed that annual increases in total costs averaged 14%. All cost increased with an average of 3% (low rank staff clothes allowances) up to 22% (transport costs and private cars allowances), except staff field allowances with decreased by 25% annually. The proportion of these cost items varied from 0.06% (staff field allowances) up to 37.42% paid as interest on ACC loans made locally or a board. There is a proportional relationship between standing loans (farmers total lending) and total costs. It was estimated that for each JD lend to borrowers 0.04 JD should be paid as extra cost
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