Diane Kolmer

Document Type

Thesis - Open Access

Award Date


Degree Name

Master of Science (MS)

Department / School


First Advisor

Mark Edelman


Deteriorating farm financial conditions, plus the new emphasis on farm survival, caused many rural citizens and leaders to raise many questions about the current level of financial stress among producers. These citizens and leaders also questioned what action could be taken by the CES to address the current farm financial crises. The scope of this thesis is to survey the approximately 350 agricultural lenders in South Dakota. Senior agricultural loan officers for the state's lenders were chosen as the target clientele. because they are the most familiar with the current financial health of the state's agricultural borrowers. Banks, FmHA, Production Credit Associations and the Federal Land Banks were included. The overall objectives of the thesis are to assess the current level of financial stress among South Dakota's agricultural producers and to assist in designing education programs targeted toward ag borrower-s under financial stress. The specific objectives of the thesis are: 1) Identify the level of financial stress among South Dakota agricultural producers by homogeneous region and lender. 2) Identify lender priorities for skill improvement and program delivery in agricultural financial management educational programs. 3) Determine lender support for the efforts of the South Dakota Cooperative Extension Service in agricultural financial management programs. 4) Determine the implications for the future of the South Dakota Cooperative Extension Service in the changing environment of agricultural finance.

Library of Congress Subject Headings

Agriculture -- Economic aspects
Agricultural credit
Farm management
Agricultural extension work



Number of Pages



South Dakota State University


No Copyright - United State