TEZĂ DE DOCTORATdoctorat.ase.ro/Media/Default/sustineri teze doctorat/Mihai/3. REZUMAT _ RO.pdf ·...
Transcript of TEZĂ DE DOCTORATdoctorat.ase.ro/Media/Default/sustineri teze doctorat/Mihai/3. REZUMAT _ RO.pdf ·...
ACADEMIA DE STUDII ECONOMICE DIN BUCUREŞTI
Şcoala Doctorală Economie II
TEZĂ DE DOCTORAT
Prezentată şi susţinută public de către autor:
DANIELA D. MIHAI
Titlul tezei de doctorat:
CERCETĂRI PRIVIND FINANŢĂREA AGRICULTURII PRIN
CREDITE ŞI FONDURI NERAMBURSABILE
Conducătorştiinţific: Prof. dr.Gabriel Popescu
Comisia de susţinere a tezei de doctorat:
Prof.dr. Nicu Marcu(preşedinte) - Academia de Studii Economice din Bucureşti
Prof.dr. Gabriel Popescu (conducător ştiinţific) - Academia de Studii Economice din Bucureşti
Prof.dr. (referent)Emilian Dobrescu - Academia Romana
C.S. gr.IValentin-Mihai Bohatereţ (referent) - Institutul de Cercetări Economice şi Sociale “Gh.
Zane”, filiala Iaşi a Academiei Române
Prof.dr. Dan Boboc (referent) - Academia de Studii Economice din Bucureşti
Bucureşti, 2018
ACADEMIA DE STUDII ECONOMICE DIN BUCUREŞTI
Consiliul pentru Studii Universitare de Doctorat
Şcoala Doctorală Economie II
CERCETĂRI PRIVIND FINANŢĂREA AGRICULTURII
PRIN CREDITE ŞI FONDURI NERAMBURSABILE
Daniela Mihai
Conducător ştiinţific: Prof.dr. Gabriel Popescu
Bucureşti, 2018
CUPRINS
LISTA FIGURILOR ................................................................. Error! Bookmark not defined.
LISTA TABELELOR ............................................................... Error! Bookmark not defined.
INTRODUCERE ....................................................................... Error! Bookmark not defined.
1 SINTEZA STADIULUI CUNOAŞTERII ÎN DOMENIU Error! Bookmark not defined.
1.1 Rolul şi importanţa finanţării agriculturii ................... Error! Bookmark not defined.
1.2 Scurt istoric privind finanţarea agriculturii ................ Error! Bookmark not defined.
1.3 Modaliăţi de finanţare a agriculturii ........................... Error! Bookmark not defined.
1.3.1 Creditarea în agricultură............................................ Error! Bookmark not defined.
1.3.2 Finanţarea din fonduri nerambursabile ..................... Error! Bookmark not defined.
1.3.3 Politica Agricolă Comună (PAC) ............................. Error! Bookmark not defined.
1.4 Managementul riscului în agricultură din perspectiva credităriiError! Bookmark
not defined.
2 METODOLOGIA CERCETĂRII...................................... Error! Bookmark not defined.
2.1 Tehnica bibliometrică ................................................. Error! Bookmark not defined.
2.2 Analiza cantitativă prin abordări econometrice .......... Error! Bookmark not defined.
2.3 Tehnica interviului ...................................................... Error! Bookmark not defined.
2.4.1 Ghid de interviu aplicat fermierilor .......................... Error! Bookmark not defined.
2.4.2 Ghid de interviu aplicat reprezentanţilor instituţiilor de creditareError! Bookmark
not defined.
2.4.3 Ghid de interviu aplicat reprezentanţilor organizaţiilor de evaluare, gestionare şi
monitorizare a fondurilor europene.................................... Error! Bookmark not defined.
3 STUDIU ASUPRA ABORDĂRILOR TEORETICE PRIVIND FINANŢAREA
AGRICULTURII ...................................................................... Error! Bookmark not defined.
3.1 Analiza cantitativă a publicaţiilor ştiinţifice din domeniu de pe Scopus ........... Error!
Bookmark not defined.
3.2 Analiză comparativă la nivelul UE, ROMÂNIA, BRIC şi SUAError! Bookmark
not defined.
3.3 Relaţia dintre fermieri şi instituţiile de creditare în literatura de specialitate ..... Error!
Bookmark not defined.
3.4 Relaţia dintre fermieri şi autorităţile publice din perspectiva evaluării, gestionării şi
monitorizării fondurilor europene în literatura de specialitateError! Bookmark not
defined.
4 CERCETAREA CANTITATIVĂ PRIVIND FINANŢAREA ÎN
AGRICULTURĂ ...................................................................... Error! Bookmark not defined.
4.1 Modele de finanţare inovative în agricultură .............. Error! Bookmark not defined.
4.2 Statistica descriptivă a datelor .................................... Error! Bookmark not defined.
4.3 Determinarea corelaţiilor între variabile ..................... Error! Bookmark not defined.
4.4 Modele econometrice de tip panel .............................. Error! Bookmark not defined.
4.5 Discuţii privind rezultatele obţinute ........................... Error! Bookmark not defined.
5 FINANŢAREA AGRICULTURII ÎN OPINIILE UNOR ACTORI
REPREZENTATIVI ................................................................. Error! Bookmark not defined.
5.1 Opinii ale fermierilor asupra finanţării în agricultură Error! Bookmark not defined.
5.2 Opinii ale reprezentanţilor instituţiilor de creditare asupra finanţării în
agricultură .............................................................................. Error! Bookmark not defined.
5.3 Opinii ale reprezentanţilor organismelor de evaluare, gestionare şi monitorizare a
fondurilor europene asupra finanţării în agricultură .............. Error! Bookmark not defined.
5.4 Propuneri de îmbunătăţire a finanţării în agricultură .. Error! Bookmark not defined.
6 CONCLUZII ...................................................................... Error! Bookmark not defined.
REFERINŢE BIBLIOGRAFICE ............................................................................................... 5
Rezumat:Teza propune identificare unor factori interesaţi şi a unor soluţii care să
îmbunătăţească finanţarea în agricultură atât din punct de vedere al infrastructurii existente cât
şi din punct de vedere al accesului fermierilor. S-a analizat evoluţia literaturii ştiinţifice din
domeniul finanţării agriculturii atât din punct de vedere cantitativ cât şi din punct de vedere
parţial calitativ prin analiza publicaţiilor de pe baza de date Scopus, analizându-le la nivelul
UE, României, SUA şi BRIC începând cu 1960. De asemenea, s-a investigat relaţia dintre
fermieri şi instituţiile de creditare şi relaţia dintre fermieri şi autorităţile publice din perspectiva
evaluării, gestionării şi monitorizării fondurilor europene în literatura de specialitate.
Aplicabilitatea tezei constă în cele două cercetări bazate pe analiza econometrică şi tehnica
interviului. Astfel, s-aevaluat stadiul finanţării agriculturii la nivelul UE prin evaluarea
factorilor care contribuie la îndatorarea în domeniul agriculturii. S-a pornit de la premisa că
influenţa acestor factori asupra gradului de îndatorare, evaluat prin datoriile totale, pe termen
scurt şi pe termen lung, evidenţiează o serie de probleme referitoare la finanţarea agriculturii.
În plus, capitolul final prezintă opiniile fermierilor, ale responsabililor cu gestiunea fondurilor
europene şi ale reprezentanţilor instituţiilor bancare şi financiare care asigură posibilităţi de
finanţare a activităţilor din agricultură, în baza interviului semi-structurat. În baza acestora,se
propune o serie de soluţii de îmbunătăţire a stării de fapt din agricultură şi de îmbunătăţire a
comunicării între cei mai importanţi actori care sunt importanţi din prisma finanţării în
agricultură.
Cuvinte cheie: fermieri, finanţarea agriculturii, interviu, panel de date
REFERINŢE BIBLIOGRAFICE
1. Abate, T. G., Nielsen, R., & Tveterås, R. (2016). Stringency of environmental regulation
and aquaculture growth: A cross-country analysis. Aquaculture Economics &
Management, 20(2), 201-221.
2. Adams, R. M., Hamilton, S. A., & McCarl, B. A. (1984). Economic effects of ozone on
agriculture.
3. Aimin, H. (2010). Uncertainty, risk aversion and risk management in
agriculture. Agriculture and agricultural science procedia, 1, 152-156.
4. Alexandri, C., & Luca, L. (2012). The role of small farms in Romania and their future
in the face of challenges of the CAP post 2013. Problemy Drobnych Gospodarstw
Rolnych, (1), 13-30.
5. Alkire, S., Meinzen-Dick, R., Peterman, A., Quisumbing, A., Seymour, G., & Vaz, A.
(2013). The women’s empowerment in agriculture index. World Development, 52, 71-
91.
6. Andrei, T., Matei, A. I., Stancu, S., & Oancea, B. (2009). Some notes about
decentralization process implications on public administration corruption in Romania.
7. Bârdan, V. (2015). Uniunea Europeană versus Uniunea Economică Euroasiatică–
analiza comparativă din prisma Uniunii Vamale.
8. Barham, B. L., Boucher, S., Carter, M. R. (1996). Credit constraints, Credit unions, and
Small-scale Producers in Guatemala. World Development, Vol. 24, No. 5, pp. 793-806
9. Barry, P. J., & Ellinger, P. N. (1989). Credit scoring, loan pricing, and farm business
performance. Western Journal of Agricultural Economics, 45-55.
10. Barthelemy, D., & Nieddu, M. (2002). Agricultural production and identity. Identity
production prior to goods production? Multifunctionnality, an ancient characteristic of
the Common Agricultural Policy. 2. part. Oléagineux Corps Gras Lipides (France).
11. Basu, P., & Srivastava, P. (2005). Scaling-up microfinance for India's rural poor.
12. Beda, O. (2014). MAJOR PROBLEMSOF AGRICULTURAL FUNDING IN THE
REPUPLIC OF MOLDOVA. Economie si Sociologie: Revista Teoretico-Stiintifica,
(3), 185-189.
13. Berger, A. N., & Udell, G. F. (1998). The economics of small business finance: The
roles of private equity and debt markets in the financial growth cycle. Journal of banking
& finance, 22(6), 613-673.
14. Berger, A. N., & Udell, G. F. (2002). Small business credit availability and relationship
lending: The importance of bank organisational structure. The economic
journal, 112(477).
15. Berger, A. N., De Young, R., & Udell, G. F. (2001). Efficiency barriers to the
consolidation of the European financial services industry. European Financial
Management, 7(1), 117-130.
16. Besley, T. (1995). Nonmarket institutions for credit and risk sharing in low-income
countries. The Journal of Economic Perspectives, 9(3), 115-127.
17. Betubiza, E. N., Leatham, D. J. (1995) Factors Affecting Commercial Bank Lending to
Agriculture. Journal of Agricultural and Applied Economics. Vol. 27, No. 1, pp.112-
126
18. Bezemer, D. J. (2002). Credit markets for agriculture in the Czech Republic. Europe-
Asia Studies, 54(8), 1301-1317.
19. Boehlje, M. D., & Trede, L. D. (1977). Risk management in agriculture. Journal of
ASFMRA, 41(1), 20-29.
20. Bojnec, Š. (2012). Agricultural and rural capital markets in Turkey, Croatia and the
FYR of Macedonia. Agricultural Economics–Czech, 58(11), 533-541.
21. Bojnec, Š., Kvasha, S., & Oliynyk, O. (2014). Agricultural financial systems in Slovenia
and Ukraine. Bulgarian Journal of Agricultural Science, 20(2), 458-468.
22. Borensztein, E., De Gregorio, J., & Lee, J. W. (1998). How does foreign direct
investment affect economic growth?. Journal of international Economics, 45(1), 115-
135.
23. Brad, L., Popescu, G., Zaharia, A., Diaconeasa, MC, Mihai, D. (2018). Exploring the
road to agricultural sustainability by assessing the EU debt influencing factors.
Sustainability, în curs de publicare.
24. Calomiris, C. W., & Himmelberg, C. P. (1993). Directed credit programs for agriculture
and industry: arguments from theory and fact. The World Bank Economic
Review, 7(suppl_1), 113-138.
25. Carter, M. R. (1988). Equilibrium credit rationing of small farm agriculture. Journal of
Development Economics, 28(1), 83-103.
26. Chatellier, V., & Guyomard, H. (2008). Le bilan de santé de la PAC, le découplage et
l’élevage en zones difficiles. INRA sciences sociales.
27. Christiaensen, L, Demery, L., Kuhl, J. (2011). The (Evolving) Role of Agriculture in
Poverty Reduction: An Empirical Perspective. Journal of Development Economics.
Vol. 96 No 2, pp. 239–254
28. Ciaian, P., Pokrivcak,J., Szegenyova, K., (2012). Do agricultural subsidies crowd out
or stimulate rural credit market institutions? The case of EU Common Agricultural
Policy. European Integration online Papers. Vol. 16, Art. 15, pp.1-30
29. CIASCAI, G. (2012). Consiliul European încotro? Reforme și contrareforme
instituționale în UE. Sphere of Politics/Sfera Politicii, 20(6).
30. Cipriani, G. (2014). Financing the EU Budget: Moving forward or backwards? CEPS
Paperback.
31. Cochrane, L., & Thornton, A. (2017). A socio-cultural analysis of smallholder
borrowing and debt in southern Ethiopia. Journal of Rural Studies, 49, 69-77.
32. Dachin, A. (2011). Contribuţii ale agriculturii la fluctuaţiile economice în
România. Economie teoretică şi aplicată, Volumul XVIII, (1), 554.
33. Dănuleţiu, A. E., & Dănuleţiu, D. C. (2008). The Financial Equilibrium And
Competitiveness Within Agricultural Holdings. Annales Universitatis Apulensis series
Oeconomica, 10(1), 402-410.
34. DeYoung, R., Hunter, W. C., & Udell, G. F. (2004). The past, present, and probable
future for community banks. Journal of Financial Services Research, 25(2-3), 85-133.
35. Dodson, C. (2014). Bank size, lending paradigms, and usage of Farm Service Agency's
guaranteed loan programs. Agricultural Finance Review, 74(1), 133-152.
36. Doran, A., McFadyen, N. și Vogel, R. (2009). The Missing Middle in Agricultural
Finance. Oxfam GB Research Report. United Kingdom.
37. Dries, L., & Swinnen, J. F. (2004). Foreign direct investment, vertical integration, and
local suppliers: Evidence from the Polish dairy sector. World development, 32(9),
1525-1544.
38. DUDUIALA POPESCU L. (2013). The financial and Economic Crisis in Romania and
the Possibilities of Recovery, Ovidius University Annals, Series Economic Sciences 13
39. Feder, G., Lau, L. J., Lin, J. Y., & Luo, X. (1990). The relationship between credit and
productivity in Chinese agriculture: A microeconomic model of
disequilibrium. American Journal of Agricultural Economics, 72(5), 1151-1157.
40. FRUMUȘANU, M. N. L., BREUER, A., & Jurcescu, D. (2011). Assessment and
measurement of the impact of projects financed by grants. Agricultural
Management/Lucrari Stiintifice Seria I, Management Agricol, 13(3).
41. G20- Agrifinance Report (2011) Scaling Up Access to Finance for Agricultural SMEs
Policy Review and Recommendations, International Finance corporation, Washington
42. G20 –Innovative Agriculture SME Finance Models (2012)- Innovative Agricultural
SME Finance Models, International Finance Corporation, Washington
43. Gheorghe, S. (2009). Results of Implementing the SAPARD Programme in Romania.
44. Gine, X, Goldberg,J. Yang, D. (2012). Credit Market Consequences of Improved
Personal Identification: Field Experimental Evidence from Malawi. American
Economic Review. Vol. 102, No. 6, pp. 2923–54.
45. Gine, X, Jakiela, P. Karlan, D. Morduch, J. (2010). Microfinance Games. American
Economic Journal: Applied Economics. Vol.2 No. 3, pp. 60–95.
46. González Vega, C. (1984). Cheap agricultural credit: Redistribution in reverse.
47. Goreham, G. A., Olson, F., & Cobia, D. (1998). Questions and Answers about
Agriculture Loan Officers and Farmers' Investments in New Generation Cooperatives.
48. Hall, J. (2015). Preliminary and qualitative impact assessment of microfinance.
Livelihoods and Food Security Trust Fund. Myanmar
49. Hapenciuc, C. V., Moroşan, A. A., & Arionesei, G. (2013). Absorption of Structural
Funds–International Comparisons and Correlations. Procedia Economics and
Finance, 6, 259-272.
50. Hashemi, S. M., Schuler, S. R., & Riley, A. P. (1996). Rural credit programs and
women's empowerment in Bangladesh. World development, 24(4), 635-653.
51. Hausman, J.A., 1978. Specification Tests in Econometrics. Econometrica, Vol. 46, No.
6, pp.1251-1271.
52. Higuchi, K. (2016). KH Coder 3 Reference Manual, http://khc.sourceforge.net/en/
53. Hudečkova, H., & Lošťák, M. (2003). Preparation and implementation of the
Programme SAPARD: Who might be winners and losers. Agricultural Economics
Journal, CZECH, 49(12), 547-556.
54. IFAD. (2009). Rural finance policy. Palombi e Lanci, Rome, disponibil la adresa
https://www.ifad.org/documents/10180/f68b3486-940a-47c3-89ef-91f2f3e9526e
55. Karlan, D., Osei, R. D., Osei-Akoto, I. , Udry, C. (2012). Agricultural Decisions after
Relaxing Credit and Risk Restraints. Unpublished working paper, Yale University, New
Haven, CT
56. Kehew, R. (2000). Contractarea unui împrumut pentru a îmbunătăţi piaţa centrală din
Focşani.
57. Kohansal, M., R., Mansoori, H.(2009) Factors Affecting on loan Repayment
Performance of Farmers in Khorasan-Razavi Province of Iran, Conference on
International Research on Food Security, Natural Resource Management and Rural
Development, Tropentag 2009, University of Hamburg
58. Kołoszko-Chomentowska, Z. (2014). Selected effects of financing of agricultural
holdings in new member states of the European Union, e-Finanse: Financial Internet. ,
Vol. 10, Iss. 3, pp. 65-72
59. Kowalska, A. (2011). Food quality and its conditionings. Acta Scientiarum Polonorum:
Oeconomia, 10(4), 43-54.
60. Lee, H., & Chambers, R. G. (1986). Expenditure constraints and profit maximization in
US agriculture. American Journal of Agricultural Economics, 68(4), 857-865.
61. Lefebvre, M., De Cuyper, K., Loix, E., Viaggi, D., & Gomez-y-Paloma, S. (2014).
European farmers’ intentions to invest in 2014-2020: survey results. JRC Science and
Policy Reports, Publications Office of the European Union, Luxembourg.
62. Lubinda, M. (2010). The evaluation of credit risk in structured finance lending
transactions in agriculture (Doctoral dissertation, University of the Free State).
63. Mahmood, N., Khalid, M., & Kouser, S. (2009). The role of agricultural credit in the
growth of livestock sector: A case study of Faisalabad. Pakistan veterinary
journal, 29(2).
64. Mairate, A. (2006). The ‘added value’of European Union cohesion policy. Regional
Studies, 40(02), 167-177.
65. Mairate, A., & Angelini, F. (2006). Cost-Benefit Analysis and EU cohesion policy.
66. Marti, A. M. (2000). La PAC, entre la Agenda 2000 y la Ronda del Milenio:¿ A la
búsqueda de una política en defensa de la multifuncionalidad agraria?. Revista
Española de Estudios Agrosociales y Pesqueros, (188).
67. Marti, A. M. (2003). La reforma de la PAC de 2003: hacia un nuevo modelo de apoyo
para las explotaciones agrarias. Revista Española de Estudios Agrosociales y
Pesqueros, (199).
68. Mehmood, Y., Ahmad, M., Anjum, M.B., Factors Affecting Delay in Repayments of
Agricultural Credit;A Case Study of District Kasur of Punjab Province, World Applied
Sciences Journal, Vol. 17, No.4, pp. 447-451
69. Midmore, P., Langstaff, L., Lowman, S., & Vaughan, A. (2008). Qualitative evaluation
of European rural development policy: Evidence from comparative case studies. In 12th
Congress of the European Association of Agricultural Economics–EAAE.
70. Miller, C., & Da Silva, C. (2007). Value chain financing in agriculture. Enterprise
Development and Microfinance, 18(2-3), 95-108.
71. Miteva, A. (2005). Status and problems of development of agricultural financing in
Bulgaria. Bulgarian Journal of Agricultural Science, 11(1), 79.
72. Mobarak, A., Rosenzweig, M. (2012). Selling Formal Insurance to the Informally
Insured. Economics Department Working Paper 97, Yale University, New Haven
73. Moraru, I., Andersen, D. G., & Kaminsky, M. (2013, November). There is more
consensus in egalitarian parliaments. In Proceedings of the Twenty-Fourth ACM
Symposium on Operating Systems Principles (pp. 358-372). ACM.
74. Neculiţă, V. (2013). Impactul integrării regionale şi a fondurilor europene asupra
creşterii economice–abordarea ţărilor din Europa Centrală şi de Est (Doctoral
dissertation, Universitatea" Dunărea de Jos" din Galaţi).
75. Nugent, N. (2017). The government and politics of the European Union. Springer.
76. Otiman, P. I. (2012). Romania’s present agrarian structure: a great (and unsolved) social
and economic problem of our country. Agricultural Economics and Rural
Development, 9(1), 3-24.
77. Otiman, P. I., Toderoiu, F., Florian, V., Alexandri, C., Gavrilescu, C., Ionel, I., ... &
Nagy, A. (2010). Agriculture and rural development in Romania–the main modalities
to attenuate the crisis effects and to resume economic growth. Agricultural Economics
and Rural Development, 7(2), 163-211.
78. Perali, F., Pieroni, L., & Standardi, G. (2012). World tariff liberalization in agriculture:
An assessment using a global CGE trade model for EU15 regions. Journal of Policy
Modeling, 34(2), 155-180.
79. Petrick, M. (2004). A microeconometric analysis of credit rationing in the Polish farm
sector. European Review of Agricultural Economics, 31(1), 77-101.
80. Petrick, M. Kloss, M. (2013). Exposure of EU Farmers to the Financial Crisis. Choices.
Quarter 2. Agricultural and Applied Economics Association, disponibil online la adresa
http://www.choicesmagazine.org/choices-magazine/theme-articles/the-eurozone-
crisis-and-its-implications-for-agriculture-in-selected-regions-of-the-world/exposure-
of-eu-farmers-to-the-financial-crisis
81. Pietola, K., Myyra, S., Keikkila, A. M. (2011). The penetration of financial instability
in agriculture credit and leveraging. Factor Markets. Comparative analysis of factor
markets for agriculture across the member states, Working paper, No . , disponibil
online la http://www.factormarkets.eu/system/files/FM_WP2_Pietola%20et%20al.pdf
82. Popescu, G. (1999). Politici agricole: Acorduri europene. Editura Economică.
83. Popescu, G., Zaharia, A., Mihai, D., & Chiocaru, R. (2018). The financial relationship
between farmers, credit institutions and public authorities–short review. Economics of
Agriculture, 65(1), 427-436.
84. Popescu, I., Bondrea, A., & Comsa, M. (1999). Durable Development And Global
Evolutions. Growth, 2050.
85. Raicov, M., Mănescu, C., & Mateoc-Sîrb, N. (2012). Studiu privind dezvoltarea rurală
în politica agricolă comună a Uniunii Europene. Buletinul AGIR, (3).
86. Reed, B. (2009) WEEK #3 ASSIGNMENT, Second Semester 2009, University of
Canterbury, ECON 324, disponibil la
http://www.econ.canterbury.ac.nz/personal_pages/bob_reed/Courses/ECON_324/Wee
k3/Assignment_Week3.pdf
87. Reti, M., & Bak, K. (2016). The Common Agricultural Policy with and without the
United Kingdom-CAP Brexit. ELTE LJ, 163.
88. Ricart, S., & Roca, A. (2013). Entre l’agriculture et l’environnement: l’écologisation de
la Politique Agricole Commune (PAC) comme légitimation des exigences sociales.
In Colloque international interdisciplinaire Dynamiques environnementales, politiques
publiques et pratiques sociales: quelles intéractions (pp. 4-7).
89. Riding, A. L., & Swift, C. S. (1990). Women business owners and terms of credit: Some
empirical findings of the Canadian experience. Journal of business venturing, 5(5), 327-
340.
90. Ruete, M. (2015). Financing for Agriculture: How to boost opportunities in developing
countries, International Institute for Sustainable Development, p. 1-12
91. Rus Ma, D., Peek-Asa, C., Baragan, E. A., Chereches, R. M., & Mocean, F. (2015).
Epidemiology of road traffic injuries treated in a large romanian emergency department
in tîrgu-mureş between 2009 and 2010. Traffic injury prevention, 16(8), 835-841.
92. Rusu, C. (2001). Fundamentals of Quality Management. Textbook for Engineering
Economics.
93. Sandu, D. (1999). Cine sunt antreprenorii din agricultura de tranzitie?. Sociologie
Româneasca, 1, 33-52.
94. Sârbu, A. (2007). Arii speciale pentru protecţia şi conservarea plantelor în România:
important plant areas (IPA-s) in Romania. Editura Victor B Victor.
95. Schroeder, P. W. (1996). The transformation of European politics, 1763-1848. Oxford
University Press.
96. Schuh, G. E., & Orden, D. (1988). The macroeconomics of agriculture and rural
America.
97. Sebatta, C., Wamulume, M., Mwansakilwa, C., (2014) Determinants of Smallholder
Farmers’ Access to Agricultural Finance in Zambia, Journal of Agricultural Science;
Vol. 6, No. 11, pp. 63-73
98. Seguí-Mas, E., & Server Izquierdo, R. J. (2009). Studying the financial resources for
agri-food industry and rural development: Description of human capital in credit unions
through delphi analysis. Interciencia, 34(10).
99. Serageldin, I., & Steeds, D. R. (Eds.). (1997). Rural Well-being: From Vision to Action:
Proceedings of the Fourth Annual World Bank Conference on Environmentally
Sustainable Development, Held at the World Bank and the George Washington
University, Washington, DC, September 25-27, 1996 (Vol. 15). World Bank
Publications.
100. Singh, J., Singh, H., & Singh, S. (2013). A Questionnaire on Survey of Problems
Facing by Agriculture Field Using Data Mining. International Journal of Computer
Technology and Applications, 4(2), 301.
101. Societățile, G., După, C. P. A. Î. R., & Europeană, I. Î. U. (2016). Brotea Daniel-
Serafim.
102. Solometo J. (2011). Ancient Egypt, James Madison University Lecture
103. Statistics Canada. Agriculture Division. Farm Financial Survey. Ontario.
Accesat in 2018 la
http://www23.statcan.gc.ca/imdb/p2SV.pl?Function=getSurvey&SDDS=3450
104. Stratan, A., Moroz, V., & Ignat, A. (2014, January). Modernization of the agri-
food sector of the Republic of Moldova in the context of international trade
development. In The Research Institute for Agriculture Economy and Rural
Development. International Symposium. Agrarian Economy and Rural Development:
Realities and Perspectives for Romania. Proceedings (p. 55). The Research Institute for
Agriculture Economy and Rural Development.
105. Strategia Națională pentru Dezvoltare Durabilă a României Orizonturi 2013-
2020-2030, Guvernul României, Programul Națiunilor Unite pentru Dezvoltare,
București, 2008
106. STROE, R., & ARMEANU, D. (2004). Finanţe, Editura ASE.
107. Swinbank, A., & Daugbjerg, C. (2006). The 2003 CAP reform: Accommodating
WTO pressures. Comparative European Politics, 4(1), 47-64.
108. Székely, C., Pálinkás, P. (2009). Agricultural Risk Management in the European
Union and in the USA. Studies in Agricultural Economics No. 109. p. 55-72
109. Tangermann, S. (2011). Risk management in agriculture and the future of the
EU’s Common Agricultural Policy. International Centre for Trade and Sustainable
Development. Issue Paper, 34.
110. Tudor, C. (2009). Specificitati ale procesului de consultanta pentru proiecte cu
finantare din fonduri europene nerambursabile. Financial Studies, 13(2), 88-97.
111. Valev, N. (2004). No pain, no gain: market reform, unemployment, and politics
in Bulgaria. Journal of Comparative Economics, 32(3), 409-425.
112. Valev, N. (2006). Financial development and economic growth in
Bulgaria. International Research.
113. Vanclay, F. (2012). Guidance for the design of qualitative case study evaluation
A short report to DG Regio. Dep. Cult. Geogr. Univ. Groningen, 1-32.
114. Vogt, H. (1978). An ecological and environmental survey of the humic man-
made lakes in Finland. Aqua Fennica, 8, 12-24.
115. Wilson, C., Featherston, A., Kastens, T., Jones, J. (2006). Determining What's
Really Important to Lenders: Factors Affecting the Agricultural Loan Decision-Making
Process. Staff Paper # 06-07, Dept. of Agricultural Economics, Purdue University,
disponibil online la http://ageconsearch.umn.edu/bitstream/28678/1/sp060007.pdf
116. Winter‐Nelson, A., & Temu, A. A. (2005). Liquidity constraints, access to credit
and pro‐poor growth in rural Tanzania. Journal of International Development, 17(7),
867-882.
117. Worldbank. (2006). Buffalo, Bakeries, and Tractors: Cases in Rural Leasing
From Pakistan, Uganda, and Mexico,Washington DC: ARD World Bank
118. Zaharia, A., & Mihai, D. (2018). Overview on the financing of the EU
agriculture. Calitatea – Acces la succes, 19(S1), 575-581.
119. Zaharia, A., Ionescu, A.C. & Mihai, D. (2018). Bibliometric study on agriculture
finance, 5th International Multidisciplinary Scientific Conference on Social Sciences &
Art SGEM 2018, SGEM2018 Conference Proceedings, ISI Proceedings, în curs de
publicare.
120. Zaman, K., & Ahmad, M. (2008). An Investigation of Pro-Poor Growth Index
in Agriculture Sector of Pakistan—1984–85 to 2004–05. International Journal of Rural
Management, 4(1-2), 201-212.
121. Zeller, M., & Meyer, R. L. (Eds.). (2002). The triangle of microfinance:
Financial sustainability, outreach, and impact. Intl Food Policy Res Inst.
122. *** Comisia Europeană. The European Agricultural Fund for Rural
Developement. Financial instruments, disponibil online la adresa https://www.fi-
compass.eu/sites/default/files/publications/EAFRD_The_european_agricultural_fund_
for_rural_development_EN.pdf
123. ***Comisia Europeanü. Agricultura și dezvoltarea rurală, disponibil online la
adresa http://www.un.org/esa/agenda21/natlinfo/countr/ec/agriculture.pdf
124. http://www.europarl.europa.eu/portal/en
125. http://www.worldbank.org/ , (2017)
126. https://ec.europa.eu/commission/index_ro