Authors:
T. A. Miroshnichenko,
E. P. Krinichnaya
Federal Rostov Agrarian Scientific Center, Rassvet, Russia
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.
Abstract. Increasing the level of income and quality of life of the rural population, the creation of comfortable conditionsfor his residence and ensuring financial inclusiveness is the priority direction of modern state policy. Thepurpose of the study is an analysis of the state and trends in the development of agricultural credit consumer cooperation,as well as the substantiation of the areas of its further development in the context of increasing financial inclusivenessin the village. Methods. The theoretical and methodological base of the study was the scientific works ofdomestic and foreign scientists on inclusive economic growth, state regulation and the organizational and economicmechanism for the development of agricultural credit consumer cooperation. The study used a systematic approachusing methods for analyzing and synthesis, generalizations, comparisons, inductions and deduction, statistical andeconomic analysis. Results. The dynamics of the development of agricultural credit consumer cooperation in Russiais considered. The reduction in the number of agricultural credit consumer cooperatives (ACCC) under the influence of a number of negative factors, such as: the absence of the state program for their development; transmissionence of a number of negative factors, such as: the absence of the state program for their development; transmissionof control and supervision functions for their activities in the Central Bank of the Russian Federation; low level ofincome of rural residents and distrust of credit cooperation; the lack of an insurance system for contributing membersof cooperatives, etc. The trend has been identified to increase the loan portfolio of ACCC, which indicates a high needfor affordable loans from rural small businesses and the population. These theoretical and empirical studies reflect theclose relationship between the development of credit cooperation on the village with a change in the institutional environment.Scientific novelty. The results of the study made it possible to substantiate measures to improve state policiesaimed at creating a favorable institutional environment for the development of ACCC. The interrelation of thegrowth of the financial inclusion of rural areas and the positive dynamics of the development of ACCC is allocated.
Keywords: agricultural credit consumer cooperation, credit cooperation, microfinance institutes, rural territories, financialinclusion, sustainable development, financial security, financial accessibility, cooperation of small forms ofmanagement.
For citation: Miroshnichenko T. A., Krinichnaya E. P. Sel’skokhozyaystvennaya kreditnaya potrebitel’skaya kooperatsiyakak instrument finansovoy inklyuzivnosti na sele [Agricultural credit consumer cooperation as a toolfor financial inclusiveness in the village] // Agrarian Bulletin of the Urals. 2021. No. 08 (211). Pp. 75−87. DOI:10.32417/1997-4868-2021-211-08-75-87. (In Russian.)
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