{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,9,11]],"date-time":"2026-09-11T01:55:16Z","timestamp":1789091716082,"version":"build-2803163510"},"reference-count":51,"publisher":"Elsevier BV","license":[{"start":{"date-parts":[[2025,5,1]],"date-time":"2025-05-01T00:00:00Z","timestamp":1746057600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.elsevier.com\/tdm\/userlicense\/1.0\/"},{"start":{"date-parts":[[2025,5,1]],"date-time":"2025-05-01T00:00:00Z","timestamp":1746057600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.elsevier.com\/legal\/tdmrep-license"},{"start":{"date-parts":[[2025,3,10]],"date-time":"2025-03-10T00:00:00Z","timestamp":1741564800000},"content-version":"vor","delay-in-days":0,"URL":"http:\/\/creativecommons.org\/licenses\/by-nc-nd\/4.0\/"}],"content-domain":{"domain":["elsevier.com","sciencedirect.com"],"crossmark-restriction":true},"short-container-title":["Acta Psychologica"],"published-print":{"date-parts":[[2025,5]]},"DOI":"10.1016\/j.actpsy.2025.104890","type":"journal-article","created":{"date-parts":[[2025,3,19]],"date-time":"2025-03-19T03:19:48Z","timestamp":1742354388000},"page":"104890","update-policy":"https:\/\/doi.org\/10.1016\/elsevier_cm_policy","source":"Crossref","is-referenced-by-count":10,"special_numbering":"C","title":["Bridging the psychological and policy gaps: Enhancing farmer access to agricultural credit in India"],"prefix":"10.1016","volume":"255","author":[{"given":"Jayadeva","family":"Hiranya","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Harish G.","family":"Joshi","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"78","reference":[{"key":"10.1016\/j.actpsy.2025.104890_bb0005","doi-asserted-by":"crossref","DOI":"10.1016\/j.jafr.2022.100481","article-title":"The impact of women groundnut farmers\u2019 participation in Village Savings and Loans Association (VSLA) in Northern Ghana","volume":"11","author":"Amponsah","year":"2023","journal-title":"Journal of Agriculture and Food Research"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb0010","doi-asserted-by":"crossref","first-page":"2196856","DOI":"10.1080\/23322039.2023.2196856","article-title":"Access to credit and agricultural productivity: Evidence from maize producers in Benin","volume":"11","author":"Assouto","year":"2023","journal-title":"Cogent Economics & Finance"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb0015","first-page":"1","article-title":"Supporting and practising digital innovation with advisers in smart farming","volume":"90\u201391","author":"Ayre","year":"2019","journal-title":"NJAS: Wageningen Journal of Life Sciences"},{"key":"10.1016\/j.actpsy.2025.104890_bb0020","doi-asserted-by":"crossref","DOI":"10.1016\/j.worlddev.2022.106033","article-title":"Demand and supply constraints of credit in smallholder farming: Evidence from Ethiopia and Tanzania","volume":"159","author":"Balana","year":"2022","journal-title":"World Development"},{"key":"10.1016\/j.actpsy.2025.104890_bb0025","article-title":"Access and repayment of institutional agricultural credit by farmers in tribal areas of Odisha: Trends, determinants and policy measures","volume":"002190962211170","author":"Behera","year":"2022","journal-title":"Journal of Asian and African Studies"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb0030","doi-asserted-by":"crossref","first-page":"21","DOI":"10.1080\/00220388.2022.2102899","article-title":"Increasing access to formal agricultural credit: The role of rural producer organisations","volume":"59","author":"Benson","year":"2023","journal-title":"The Journal of Development Studies"},{"key":"10.1016\/j.actpsy.2025.104890_bb0035","article-title":"Interest subvention for crop loans in India: Win-win or win-lose?","volume":"S0161893824000474","author":"Bhanot","year":"2024","journal-title":"Journal of Policy Modeling"},{"issue":"9","key":"10.1016\/j.actpsy.2025.104890_bb0040","doi-asserted-by":"crossref","first-page":"5048","DOI":"10.3390\/su13095048","article-title":"Societal digital platforms for sustainability: Agriculture","volume":"13","author":"Bhaskara","year":"2021","journal-title":"Sustainability"},{"issue":"3","key":"10.1016\/j.actpsy.2025.104890_bb0045","article-title":"Economic and environmental sustainability of agriculture production at the crop level","volume":"10","author":"Bi","year":"2024","journal-title":"Global Journal of Environmental Science and Management"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb0050","doi-asserted-by":"crossref","first-page":"136","DOI":"10.1108\/AFR-05-2018-0038","article-title":"Transformation of agriculture risk management: The new horizon of regulatory compliance in farm credits","volume":"79","author":"Bilal","year":"2019","journal-title":"Agricultural Finance Review"},{"issue":"3","key":"10.1016\/j.actpsy.2025.104890_bb5000","doi-asserted-by":"crossref","DOI":"10.71279\/epw.v60i3.41169","article-title":"Wl-7008-Effects of Farm Credit on Productivity and Resilience in Indian Agriculture","volume":"60","author":"Birthal","year":"2025","journal-title":"Economic & Political Weekly"},{"key":"10.1016\/j.actpsy.2025.104890_bb0055","doi-asserted-by":"crossref","DOI":"10.1016\/j.agsy.2023.103634","article-title":"Challenges and potential pathways towards sustainable agriculture within the European Green Deal","volume":"207","author":"Boix-Fayos","year":"2023","journal-title":"Agricultural Systems"},{"issue":"6","key":"10.1016\/j.actpsy.2025.104890_bb0060","doi-asserted-by":"crossref","first-page":"767","DOI":"10.3390\/agriculture12060767","article-title":"A case study of a digital data platform for the agricultural sector: A valuable decision support system for small farmers","volume":"12","author":"Borrero","year":"2022","journal-title":"Agriculture"},{"issue":"2","key":"10.1016\/j.actpsy.2025.104890_bb0065","doi-asserted-by":"crossref","first-page":"409","DOI":"10.1111\/j.1467-8276.2007.01116.x","article-title":"Risk rationing and wealth effects in credit markets: Theory and implications for agricultural development","volume":"90","author":"Boucher","year":"2008","journal-title":"American Journal of Agricultural Economics"},{"issue":"2","key":"10.1016\/j.actpsy.2025.104890_bb0070","doi-asserted-by":"crossref","first-page":"77","DOI":"10.1191\/1478088706qp063oa","article-title":"Using thematic analysis in psychology","volume":"3","author":"Braun","year":"2006","journal-title":"Qualitative Research in Psychology"},{"issue":"3","key":"10.1016\/j.actpsy.2025.104890_bb0075","doi-asserted-by":"crossref","first-page":"186","DOI":"10.3763\/ijas.2010.0480","article-title":"Assessing a farm\u2019s sustainability: Insights from resilience thinking","volume":"8","author":"Darnhofer","year":"2010","journal-title":"International Journal of Agricultural Sustainability"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb0080","doi-asserted-by":"crossref","first-page":"19","DOI":"10.24191\/MAR.V20i01-02","article-title":"Impact of priority sector lending on financial profitability: Segment wise panel data analysis of Indian banks","volume":"20","author":"Desai","year":"2021","journal-title":"Management and Accounting Review"},{"issue":"7","key":"10.1016\/j.actpsy.2025.104890_bb0085","doi-asserted-by":"crossref","first-page":"684","DOI":"10.1111\/jasp.12952","article-title":"Estimating farmers\u2019 intention towards institutional credit adoption by using extended theory of planned behavior","volume":"53","author":"Dey","year":"2023","journal-title":"Journal of Applied Social Psychology"},{"issue":"8","key":"10.1016\/j.actpsy.2025.104890_bb0090","doi-asserted-by":"crossref","first-page":"3505","DOI":"10.3390\/su16083505","article-title":"Green horizons: Navigating the future of agriculture through sustainable practices","volume":"16","author":"D\u00f6nmez","year":"2024","journal-title":"Sustainability"},{"issue":"2","key":"10.1016\/j.actpsy.2025.104890_bb0095","doi-asserted-by":"crossref","first-page":"245","DOI":"10.1111\/dpr.12100","article-title":"A comparative analysis of the use of microfinance and formal and informal credit by farmers in less developed areas of rural China","volume":"33","author":"Jia","year":"2015","journal-title":"Development Policy Review"},{"key":"10.1016\/j.actpsy.2025.104890_bb0100","doi-asserted-by":"crossref","DOI":"10.1016\/j.asieco.2024.101746","article-title":"Farmers\u2019 cooperatives and smallholder farmers\u2019 access to credit: Evidence from China","volume":"92","author":"Jiang","year":"2024","journal-title":"Journal of Asian Economics"},{"issue":"4","key":"10.1016\/j.actpsy.2025.104890_bb0105","doi-asserted-by":"crossref","first-page":"642","DOI":"10.1017\/aae.2020.25","article-title":"Off-farm income, credit constraints, and farm investment","volume":"52","author":"Key","year":"2020","journal-title":"Journal of Agricultural and Applied Economics"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb5015","doi-asserted-by":"crossref","first-page":"2329388","DOI":"10.1080\/14735903.2024.2329388","article-title":"Constraints to agricultural finance in underdeveloped and developing countries: a systematic literature review","volume":"22","author":"Khan","year":"2024","journal-title":"International Journal of Agricultural Sustainability"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb5020","doi-asserted-by":"crossref","DOI":"10.1080\/14735903.2024.2329388","article-title":"Constraints to agricultural finance in underdeveloped and developing countries: a systematic literature review","volume":"22","author":"Khan","year":"2024","journal-title":"International Journal of Agricultural Sustainability"},{"issue":"8","key":"10.1016\/j.actpsy.2025.104890_bb0110","doi-asserted-by":"crossref","DOI":"10.1371\/journal.pone.0201710","article-title":"Enhancing the sample diversity of snowball samples: Recommendations from a research project on anti-dam movements in Southeast Asia","volume":"13","author":"Kirchherr","year":"2018","journal-title":"PLoS One"},{"key":"10.1016\/j.actpsy.2025.104890_bb0115","series-title":"State of Indian agriculture","author":"Kumar","year":"2024"},{"key":"10.1016\/j.actpsy.2025.104890_bb0120","doi-asserted-by":"crossref","first-page":"65","DOI":"10.1016\/j.earlhumdev.2019.03.015","article-title":"WASP (write a scientific paper): Collecting qualitative data using focus groups","volume":"133","author":"Lauri","year":"2019","journal-title":"Early Human Development"},{"issue":"7","key":"10.1016\/j.actpsy.2025.104890_bb0125","doi-asserted-by":"crossref","first-page":"1392","DOI":"10.1080\/1540496X.2023.2278659","article-title":"Climate change shocks and credit risk of financial institutions: Evidence from China\u2019s commercial banks","volume":"60","author":"Liu","year":"2024","journal-title":"Emerging Markets Finance and Trade"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb5025","doi-asserted-by":"crossref","first-page":"181","DOI":"10.21511\/bbs.14(1).2019.16","article-title":"Impact of factors on the utilization of agricultural credit of banks: an analysis from the borrowers\u2019 perspective","volume":"14","author":"Lokesha","year":"2019","journal-title":"Banks and Bank Systems"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb5030","doi-asserted-by":"crossref","first-page":"5","DOI":"10.1257\/jel.52.1.5","article-title":"The economic importance of financial literacy: Theory and evidence","volume":"52","author":"Lusardi","year":"2014","journal-title":"Journal of Economic Literature"},{"key":"10.1016\/j.actpsy.2025.104890_bb0130","series-title":"Modern tools and techniques to understand microbes","first-page":"123","article-title":"Biological indicators for soil health: Potential for development and use of on-farm tests","author":"Mahdi","year":"2017"},{"issue":"3","key":"10.1016\/j.actpsy.2025.104890_bb0135","doi-asserted-by":"crossref","DOI":"10.1002\/pa.2597","article-title":"Agricultural credit and agricultural productivity across Indian states: An analysis","volume":"22","author":"Manoharan","year":"2022","journal-title":"Journal of Public Affairs"},{"issue":"3","key":"10.1016\/j.actpsy.2025.104890_bb0140","doi-asserted-by":"crossref","first-page":"304","DOI":"10.1108\/AFR-05-2018-0041","article-title":"The impact of credit on the technical efficiency of maize-producing households in northern Ghana","volume":"79","author":"Martey","year":"2019","journal-title":"Agricultural Finance Review"},{"key":"10.1016\/j.actpsy.2025.104890_bb0145","doi-asserted-by":"crossref","DOI":"10.1177\/16094069231205789","article-title":"A step-by-step process of thematic analysis to develop a conceptual model in qualitative research","volume":"22","author":"Naeem","year":"2023","journal-title":"International Journal of Qualitative Methods"},{"issue":"2","key":"10.1016\/j.actpsy.2025.104890_bb0150","doi-asserted-by":"crossref","first-page":"152","DOI":"10.1080\/03031853.2018.1483251","article-title":"Impact of access to credit on farm income: Policy implications for rural agricultural development in Lesotho","volume":"57","author":"Ogundeji","year":"2018","journal-title":"Agrekon"},{"issue":"2","key":"10.1016\/j.actpsy.2025.104890_bb0155","doi-asserted-by":"crossref","first-page":"484","DOI":"10.1002\/agr.21891","article-title":"Exploring the role of interest rates, macroeconomic environment, agricultural cycle, and gender on loan demand in the agricultural sector: Evidence from Mali","volume":"40","author":"\u00d6lkers","year":"2024","journal-title":"Agribusiness"},{"issue":"3","key":"10.1016\/j.actpsy.2025.104890_bb0160","doi-asserted-by":"crossref","first-page":"903","DOI":"10.1002\/saj2.20233","article-title":"Do soil health tests match farmer experience? Assessing biological, physical, and chemical indicators in the Upper Midwest United States","volume":"85","author":"O\u2019Neill","year":"2021","journal-title":"Soil Science Society of America Journal"},{"key":"10.1016\/j.actpsy.2025.104890_bb0165","doi-asserted-by":"crossref","DOI":"10.1016\/j.ecolecon.2021.107000","article-title":"Factors affecting the adoption of sustainable agricultural practices: Findings from panel data for Vietnam","volume":"184","author":"Pham","year":"2021","journal-title":"Ecological Economics"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb0170","doi-asserted-by":"crossref","first-page":"169","DOI":"10.1007\/s41775-023-00187-8","article-title":"Agricultural credit in India: Determinants and effects","volume":"58","author":"Ramasamy","year":"2023","journal-title":"Indian Economic Review"},{"key":"10.1016\/j.actpsy.2025.104890_bb0175","series-title":"Report of the internal working group to review agricultural credit","author":"RBI","year":"2019"},{"issue":"9","key":"10.1016\/j.actpsy.2025.104890_bb5005","doi-asserted-by":"crossref","first-page":"1387","DOI":"10.1108\/IJSE-09-2020-0614","article-title":"Determinants of indebtedness and institutional credit to rural agricultural households: an empirical evidence from South India","volume":"49","author":"RL","year":"2022","journal-title":"International Journal of Social Economics"},{"issue":"2","key":"10.1016\/j.actpsy.2025.104890_bb5010","doi-asserted-by":"crossref","first-page":"402","DOI":"10.1002\/agr.21726","article-title":"In\u2010kind credit provision through contract farming and formal credit markets","volume":"38","author":"Ruml","year":"2022","journal-title":"Agribusiness"},{"key":"10.1016\/j.actpsy.2025.104890_bb0180","doi-asserted-by":"crossref","first-page":"67","DOI":"10.1016\/j.ijdrr.2016.03.008","article-title":"Factors influencing farmers\u2019 adoption of agricultural credit as a risk management strategy: The case of Pakistan","volume":"17","author":"Saqib","year":"2016","journal-title":"International Journal of Disaster Risk Reduction"},{"issue":"11","key":"10.1016\/j.actpsy.2025.104890_bb0185","doi-asserted-by":"crossref","DOI":"10.1371\/journal.pone.0257909","article-title":"Farmers\u2019 willingness to pay for digital and conventional credit: Insight from a discrete choice experiment in Madagascar","volume":"16","author":"Sarfo","year":"2021","journal-title":"PLoS One"},{"issue":"4","key":"10.1016\/j.actpsy.2025.104890_bb0190","doi-asserted-by":"crossref","first-page":"446","DOI":"10.1108\/AFR-10-2016-0078","article-title":"Farm credit access, credit constraint and productivity in Ghana: Empirical evidence from Northern Savannah ecological zone","volume":"77","author":"Sekyi","year":"2017","journal-title":"Agricultural Finance Review"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb0195","doi-asserted-by":"crossref","first-page":"608","DOI":"10.1002\/sd.2669","article-title":"Toward sustainable agriculture: The impact of interest-free credit on marketing decisions and technological progress in P akistan","volume":"32","author":"Sher","year":"2024","journal-title":"Sustainable Development"},{"issue":"2","key":"10.1016\/j.actpsy.2025.104890_bb0200","doi-asserted-by":"crossref","first-page":"379","DOI":"10.1108\/AFR-06-2021-0074","article-title":"Strategic behavior of nontraditional lenders in agricultural credit markets","volume":"82","author":"Tetteh","year":"2022","journal-title":"Agricultural Finance Review"},{"issue":"2","key":"10.1016\/j.actpsy.2025.104890_bb0205","doi-asserted-by":"crossref","first-page":"285","DOI":"10.1108\/AFR-05-2021-0070","article-title":"Unique financing strategies among beginning farmers and ranchers: Differences among multigenerational and beginning operations","volume":"82","author":"Thilmany","year":"2022","journal-title":"Agricultural Finance Review"},{"key":"10.1016\/j.actpsy.2025.104890_bb0210","series-title":"Challenges and opportunities in qualitative research","first-page":"47","article-title":"Participant selection and access in case study research","author":"Wan","year":"2019"},{"issue":"1","key":"10.1016\/j.actpsy.2025.104890_bb0215","doi-asserted-by":"crossref","DOI":"10.55596\/001c.115712","article-title":"Interagency coordination in the implementation of single window: Lessons and good practice from Korea","volume":"12","author":"Wang","year":"2018","journal-title":"World Customs Journal"},{"issue":"5","key":"10.1016\/j.actpsy.2025.104890_bb0220","doi-asserted-by":"crossref","first-page":"1103","DOI":"10.3390\/agriculture13051103","article-title":"Can digital finance promote professional Farmers\u2019 income growth in China?\u2014An examination based on the perspective of income structure","volume":"13","author":"Wang","year":"2023","journal-title":"Agriculture"}],"container-title":["Acta Psychologica"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/api.elsevier.com\/content\/article\/PII:S0001691825002033?httpAccept=text\/xml","content-type":"text\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/api.elsevier.com\/content\/article\/PII:S0001691825002033?httpAccept=text\/plain","content-type":"text\/plain","content-version":"vor","intended-application":"text-mining"}],"deposited":{"date-parts":[[2025,5,6]],"date-time":"2025-05-06T20:39:05Z","timestamp":1746563945000},"score":1,"resource":{"primary":{"URL":"https:\/\/linkinghub.elsevier.com\/retrieve\/pii\/S0001691825002033"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2025,5]]},"references-count":51,"alternative-id":["S0001691825002033"],"URL":"https:\/\/doi.org\/10.1016\/j.actpsy.2025.104890","relation":{},"ISSN":["0001-6918"],"issn-type":[{"value":"0001-6918","type":"print"}],"subject":[],"published":{"date-parts":[[2025,5]]},"assertion":[{"value":"Elsevier","name":"publisher","label":"This article is maintained by"},{"value":"Bridging the psychological and policy gaps: Enhancing farmer access to agricultural credit in India","name":"articletitle","label":"Article Title"},{"value":"Acta Psychologica","name":"journaltitle","label":"Journal Title"},{"value":"https:\/\/doi.org\/10.1016\/j.actpsy.2025.104890","name":"articlelink","label":"CrossRef DOI link to publisher maintained version"},{"value":"article","name":"content_type","label":"Content Type"},{"value":"\u00a9 2025 The Authors. Published by Elsevier B.V.","name":"copyright","label":"Copyright"}],"article-number":"104890"}}