Hartwich's perspective and (2010) when research on agricultural systems of Nigieria said that loans for the agricultural product is the sponsoring bank system for a system of products needed for agricultural input such as: industrial inputs (current asset , land and machinery and equipment), the cost of production (operating costs, costs of purchased materials ...), phase 1 and 2 of the production process (net working capital – primarily in the form of the previous paragraph for caterer, machinery, equipment, land, fixed assets, etc.) and how the target financing products. The author when the study also focuses on the process of producing only consists of 9 products of agriculture is planted cassava, cotton, maize, the tree can squeeze oil, soy, rice, tomatoes, fish and poultry. The advantage of this perspective is that the system is lending process from production to cover objectives, to ensure that (1) the right of the purpose of use in agricultural systems and (2) restrictions are the main risk to the organization providing financial services. However, the limitations of this opinion is to not consider the organization that provides other services, including microfinance institutions, the Government funds.
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