The agricultural economic structure in general, and Beheira Governorate in particular, suffers from some economic problems, the most important of which are low individual incomes, weak saving capacity, and lack of self-financing. This leads to the necessity of borrowing to meet agricultural needs, increasing the level of agricultural production, and increasing the standard of living of farmers. Based on the research problem, the research mainly aims to study the role of the Agricultural Bank of Egypt in financing agricultural activities in Beheira Governorate.
                    To achieve the objectives of the study, both descriptive and quantitative economic analysis methods were used to measure the relationships between the research variables. The study depends on published and unpublished secondary data from many different official government agencies, in particular the Agricultural Bank of Egypt, the Central Administration for Agricultural Economics at the Ministry of Agriculture and Land Reclamation, the Central Agency for Public Mobilization and Statistics, and the Ministry of Planning, in addition to scientific researches and references, and relevant research and dissertations on the subject of the research.
                    It was also shown from the study of the impact of agricultural loans on net agricultural income in Egypt during the period (2001-2020) that the average net agricultural income amounted to about LE 182.3 billion, and the largest value of net agricultural income was about LE 329.3 billion in 2017, while it amounted to less value of net agricultural income was about  LE 92.9 billion in 2005, and the standard deviation reached 74.3.
It also became clear that the average agricultural loans granted by the Agricultural Bank of Egypt during the period (2001-2020) amounted to about LE 607.1 million, with a maximum amounting to about LE 1,369.06 million in 2018, while the value of the minimum amounted to about LE 314.21 million   in 2007. The value of the standard deviation was 325.56, and it became clear that the total agricultural loans granted by the agency during the period (2001-2020) amounted to approximately LE 8.5 billion.
                    The results of the regression analysis of the relationship between net agricultural income in Egypt as a dependent variable and agricultural loans as an independent variable during the period (2001-2020) showed that by increasing agricultural loans by LE one million, net agricultural income changes by approximately LE 0.26 billion. The significance of this coefficient was also shown at the level of statistical significance. 0.01%, and the value of the coefficient of determination was about 81%, which means that about 81% of the change in net agricultural income is explained by the change in agricultural loans granted by the Agricultural Bank, while the unexplained percentage of about 19% is due to other factors not included in the model.
                    Through the previous results, some important recommendations were reached that may lead to achieving balanced development at the regional and geographical level in the various governorates of Egypt. Among these proposals are:
-      Good and accurate planning and distribution of funding available to the governorates of Egypt.


 

Increased attention to the poorest governorates in Egypt, specially governorates where poverty rates exceed 50%.
-      Directing more attention to the border governorates, such as the governorates of Matrouh, South and North Sinai, and the New Valley, as they are the governorates most in need of development and attention in sustainable development programmes.
-      Working to increase job opportunities and resettlement in the border governorates in order to preserve national security.

 

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