Wpływ kredytu rolnego na kształtowanie majątku oraz dochodów gospodarstwa specjalizującego się w produkcji mleka

The study presents changes which occurred in the structure and size of assets, liabilities and incomes. Investments realized with participation of credit brought in the increase of asset by 30 percent in 1999 and by next 3 percent in 2000, whereas financing assets by credit reached level about 30 percent and will take downward tendency in the next years. The payment of a debt absorbed almost a half of a disposable gross income in 2001 and 80 percent of a net agricultural income, which was the highest relative participation from 1999. The participation of credit interest took the volume of nearly 40 percent of mediate costs and about 14 percent of total costs.