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Women’s Access to Credit and Finance in the Agriculture Sector:
This survey aims to collect information around women farmersand/or rural women entrepreneurs' access to credit and finance. Your input will help us understand the challenges women face in accessing finance in the Agricultural Sector across the EU, whether it's for their farm business or anagricultural business linked to the agricultural sector. We also hope this survey will give insight into the types offarms and business led by women in rural areas. This survey will take about 15 minutes to complete. All responses will be kept confidential and used solely for research and policy purposes.There are no wrong answers, please answer the questions to the best of your ability.
Section 1: Demographic
Do you consider yourself a farmer or entrepreneur (a business owner/manager)
*
Farmer
Entrepreneur (business owner/manger)
Both
Other
What is your age?
*
18 - 25 years
26-35 years
36 - 45 years
46- 65 years
Over 66
Which country are you from
*
Please Select
Austria
Belgium
Bulgaria
Croatia
Republic of Cyprus,
Czech Republic
Denmark
Estonia
Finland
France
Germany
Greece
Hungary
Ireland
Italy
Latvia
Lithuania
Luxembourg
Malta
The Netherlands
Poland
Portugal
Romania
Slovakia
Slovenia
Spain
Sweden
Iceland
Liechtenstein
Norway
Switzerland
United Kingdom
Other
Do you own your farm?
*
Yes, I own the farm/land
No (I do not own the farm, but my activity is on a farm)
I rent the farm/land
Not Applicable (I do not have a farm)
Other
If yes, to owning the farm, please elaborate
Yes, I am the sole-owner
Yes, jointly with family member(s)
Yes, with non-family member(s)
Other
If you rent the farm/land, please elaborate
I am renting alone
I am renting with others
I do not own or rent the farm, but my business activity is linked with a farm
Other
How do you lead (manage) the business/farm
*
Self-employed or equivalent legal form
In partnership
Limited company or equivalent legal form
Other
With whom do you lead the business/farm ?
*
With husband/wife
With other family member(s)
With a non-family relation/business partner
By myself
Other
If you own/lead the business/farm with others, are you a decision-maker in the business/farm
I am the primary decision-maker
I am an equal decision-maker
No, I am not a decision-maker, but I am consulted on decisions
No, I do not make decisions
Other
What is the size of your agricultural business/farm (in hectares)?
Less than 2 hectares
2-5.99 hectares
6-10.99 hectares
11-50 hectares
50.99 to 200 hectares
More than 200 hectares
What is the size of your agricultural business/farm (turnover)?
Less than 10.000€
€10.000-€24.999
€25.000-€49.999
€50.000-€99.999
€100.000-€249.999
€250.000-€499.999
€500.000- €999.999
Over €1.000.000
Over €5.000.000
Would rather not say
What type of activity is your business
*
Farming (all types)
Agritourism
Hospitality
Social Care
Added value (cheese/ice cream etc)
Farm Shop
Other
What type of farm do you manage
*
Arable Farming- Cereals (wheat/barely/maize etc)
Arable Farming- Oilseeds (rapeseed, sunflower, etc)
Arable Farming- Pulses (peas, beans, lentils, etc)
Arable Farming- Root crops (potatoes, sugar beat, etc)
Other arable crops
Speciality Crops
Fruits and/or vegetables (greenhouse/orchard fiel)
Olive trees
Wine/Vineyard
Rice
Tobacco
Seeds
Flowers/ornamentals/herbs
Hops
Forestry
Livestock Farming- Pigs
Livestock Farming-Poultry
Livestock Farming- Beef Cattle
Livestock Farming Dairy ( milk production)
Sheep/Goats
Horses
Aquaculture
Honey
Insects (other than honeybees)
Other
Do you carry out any of these practices on your farm?
*
Certified organic practices
Non-certified organic practices
Circular farming practices
Agroforestry
Other
To whom do you sell your products to?
*
Direct to consumers (farmers market/online/farm shop etc)
Retailers (to supermarkets or retailstores etc)
Wholesalers
Food Processing Companies (who thenfurther process and package)
Cooperatives or Producer Organisations
Other
Is your business considered an extension activity on the farm or the primary activity
Extension activity
Primary activity
Have you worked outside the farm business before?
Yes
No
Do you have an agricultural and/or forestry education?
Yes
No
What is your highest level of general education?
*
Primay education
Secondary education
Vocational education
University degree
Postgraduate degree
Have you participated in any courses linked to your business/farm activity
Yes
No
Is the agricultural business/farm your full-time employment
Yes
No
If no, approximately what share of your income does the non-business/farm employment represent?
*
Less than 10%
25%
50%
75%
100%
Approximately what share of your time does the business/farm represent?
*
Less than 10 %
25%
50%
75%
100%
Do you take a wage from your business
Yes
No
Section 2: Access to Credit and Finance
Have you applied for any type of financing for your agricultural business?
Yes
No
If yes, what type of financing did you apply for?
*
Bank loan
Government loan/subsidy
Cooperative loan
Microfinance
Private lender
Overdraft
Community credit union
Loan from a family member
Other
If you did not apply for any type of financing, what were your reasons?
*
Not necessary
I didn’t know where to go
I didnt want to ask for support
Other
Did you apply for financing yourself
*
Yes
Yes, but with others (business partners/family members)
No, someone else applied for financing which I used
Other
What was the primary reason for seeking credit?
*
Start-up capital
Purchase of land
Equipment and machinery
Building (e.g. stables)
Purchase of input (e.g Livestock or seeds)
Expanding the business
Diversifying the business
Operating expenses (e.g., salaries,utilities, rent)
Marketing
Financing educational courses
Other
Were you successful in obtaining financing?
*
Yes
No
Partially (you were granted less credit than requested)
Did you face any challenges in accessing finance?
*
High-interest rates
Business size/income
Lack of collateral
Complex application process
Gender bias (and/or discrimination specifically mentioned)
Lack of financial literacy
Ability to repay
Other
How would you describe your experience with the finance application process?
*
Very easy
Easy
Neutral
Difficult
Very difficult
Did you get support for applying for a loan or subsidies
*
Yes
No
If yes, who gave you support
*
Private agricultural advisor
Public agricultural advisor
Advice from cooperative/farmers union
Advice from Bank
Other
If you were (partially) denied credit, what reasons were given?
*
No specific reason provided
Lack of collateral
Poor credit history
Business size/income
Gender bias (and/or discrimination specifically mentioned)
Age
High-interest rate
Level of education
Other
Section 3: Barriers to Finance
Have you encountered any policies or financial programs including educational schemes or advisory services specifically aimed at supporting women’s access to credit in the Agricultural sector?
*
Yes
No
Unsure
Have you applied to any of these programmes?
*
Yes
No
Not applicable
If no, what were your reason for not applying
*
Not applicable ( I did not need it)
The content was not suitable
The timing was not suitable
Other
Could you share what programme/origin of the finance?
If you applied to these programs, how would you rate the support you received?
*
Good
Supportive
Neutral
Unsupportive
Poor
If unsupportive or poor, what are the reasons?
*
Content not appropriate to my needs
Trainer was not helpful
Other
What do you believe are the most significant barriers preventing women from accessing finance?
*
Gender bias/discrimination
Insufficient financial literacy
High collateral requirements
Lack of awareness of available credit programs
Low business income
Level of education
Other
Section 4: Rating Scale
On a scale of 1 (Strongly Disagree) to 5 (Strongly Agree), please rate the following statements
Do you feel that being a woman has impacted your ability to access credit for your Agricultural business?
*
1 =Strongly Disagree
2= Disagree
3=Neutral
4=Agree
5=Strongly Agree
I do not know
I find it easy to access credit for my Agricultural business.
*
1 = Strongly Disagree
2 = Disagree
3 = Neutral
4 = Agree
5 = Strongly Agree
I do not know
I believe financial institutions in my country offer equal opportunities to women and men in the agricultural sector.
*
1 = Strongly Disagree
2 = Disagree
3 = Neutral
4 = Agree
5 = Strongly Agree
I do not know
I believe government programs in my country adequately address gender inequality in access to credit for women in agriculture.
*
1 = Strongly Disagree
2 = Disagree
3 = Neutral
4 = Agree
5 = Strongly Agree
I do not know
I believe more specific programs and policies are needed to support women’s access to credit in agriculture.
*
1 = Strongly Disagree
2 = Disagree
3 = Neutral
4 = Agree
5 = Strongly Agree
I do not know
What programmes do you believe are needed?
I feel confident in my ability to navigate the finance application process.
*
1 = Strongly Disagree
2 = Disagree
3 = Neutral
4 = Agree
5 = Strongly Agree
I do not know
I believe there is a lack of financial products specifically designed to meet the needs of women in the agricultural sector.
*
1 = Strongly Disagree
2 = Disagree
3 = Neutral
4 = Agree
5 = Strongly Agree
I do not know
If there were dedicated financial products designed to meet the needs of women in the agricultural sector would you be more likely to apply?
*
1 = Strongly Disagree
2 = Disagree
3 = Neutral
4 = Agree
5 = Strongly Agree
I do not know
Section: Open-Ended Feedback
Optional to answer
Do you have additional comments to share, that have not been considered in the survey you would like to share?
Submit
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