EN
Credit-takers proved to be the persons of stable social-professional position, who want to enlarge the farm acreage and to modernize the machinery park. As a result of credits the modernization of permanent production means (land and machinery) has been undertaken followed also by some innovations in farming financed of farmer's own purse. The changes on farms affected the structure of farmer's income from agritechnical services. Under stable conditions for modernization investment repayment 8.7 years would be needed. After that period the farmer's income will rise by the value of credit repayment.