PL
W artykule autor przedstawił wiarygodność rolników jako kredytobiorców wobec banków spółdzielczych na tle innych grup klientów. Z uzyskanych danych wynika, że rolnicy byli najbardziej wiarygodnymi kredytobiorcami pod względem spłaty rat kredytów i odsetek. Kredyty zagrożone w rolniczych kredytach brutto stanowiły tylko 1 -2%.
EN
In this paper author has presented credibility of farmers as borrowers compared to other groups of banks’ clientele. An analysis is based on opinions of interviewed senior managers from the cooperative banks in Poland. The study shows that farmers were categorised into the most credible borrowers of the cooperative banks, whereas both cooperatives and state enterprises were evaluated as the least credible of banks' debtors. Quality of agricultural loan portfolio is higher than that of other loans; irregular credits constituted only 1- 2% of total agricultural credits.