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The Government of Pakistan has allocated a substantial proportion of agricultural credit to subsistence farmers. The purpose of this paper is to analyze farmers’ access to credit and its adequacy in the light of current agricultural credit policy of Pakistan.

The study has used both secondary and primary data for analysis. Secondary data were collected from the annual reports of Pakistan Economic Survey and State Bank of Pakistan. Primary data were collected from 168 subsistence farmers through households’ survey. Farmers’ credit access and credit adequacy were measured using credit access ratio and credit adequacy ratio, respectively. The Student’s t-test and analysis of variance were used to assess the differences in credit access and adequacy among farmers’ groups (i.e. upper, medium and lower subsistence farmers). Tobit regression model was employed to determine the factors influencing credit adequacy among farmers.

The empirical results revealed that the amount of credit provided to subsistence farmers was less than stated in the national agricultural credit policy. Upper subsistence farmers had more access to credit than lower and medium subsistence farmers. Lower subsistence farmers had above average access to informal sources of credit, and had below average access to formal sources. The findings also revealed that lower subsistence and medium subsistence farmers had the highest credit inadequacy of funds for investment in agriculture. The results of the Tobit regression revealed that age, education, experience, household size, total landholding of farmer and proportion of own land influenced the agricultural credit adequacy.

Most of the credit was distributed among the upper subsistence farmers. Lower subsistence farmers were still largely dependent on informal credit for farm production activities. The Government of Pakistan performed poor in the implementation of agricultural credit policy, and has failed to help subsistence farmers in their access to formal credit. It is needed to revamp the agricultural credit policy and facilitate credit acquisition by subsistence farmers, particularly for tenant farmers. It is important that the Government may classify the subsistence farmers into subgroups, and reallocate the funds accordingly. This study has lessons and implications for agricultural finance initiatives in developing countries.

Previous studies have focused primarily on access to agricultural credit. However, this study has adopted a holistic approach by using secondary and primary data to assess the farmers’ access to credit and adequacy. In addition, limited literature is available to explore the farmers’ accessibility and adequacy of agricultural credit. Furthermore, this study has focused exclusively on the farmers who are living in the flood-prone areas of Pakistan.

The purpose of this paper is to assess the public health risk factors of internally displaced households and suggest appropriate measures and strategies for health risk reduction in the context of IDPs.

The composite Index (CI) method was used to compare the public health risk factors at the household level in three IDP camps. A set of 22 indicators were studied in 326 households. Households were selected by using a two-stage cluster sampling technique.

The findings indicate that the Shangil Tobaya camp is at the highest risk for communicable diseases (63.6%) followed by Zamzam (52.4%) and Abu Shouk (42.7%) at the household level. Eight indicators appeared to have made differential impacts between Abu Shouk and Shangil Tobaya, these include: level of education, walking time to health facilities, water source, latrines type, safe disposal of child feces, frequency of visit by pregnant women to antenatal care services, place of delivery and women delivering their children with the help of skilled birth attendants.

Since the selection criteria of the camps were predefined; there are variations in the number of samples between the camps. Therefore, the generalizability may be compromised.

Increased access to healthcare services particularly reproductive health services to the most vulnerable groups (women). Community involvement in services management to promote ownership.

The methods used in this study is original and flexible and can be replicated for other emergency areas and risks.

The purpose of this paper is to map the “migration pathways” (King and Skeldon, 2010) followed by interviews with a group of Vietnamese international labour migrants.

Through 50 in-depth interviews, the authors identify the reasons that explain the pathways observed.

The authors found that more than half of the interviewees did what King and Skeldon describe as a U-turn, whereby the migrants go abroad for work directly from their home town and return to settle there. The remainder did a J-turn, meaning the migrants returned and settled elsewhere. The majority of those doing a J-turn moved to another town/city within the province of their home town. Few return migrants settled outside their home province. The main explanations for the U-turn choice include existing investment in immobile assets in their home town, strong family ties, parental care obligations, lack of skill acquisition from international labour migration, age and for married migrants having children. Poor conditions in their home town, the absence of local job opportunities and better schooling for children were important considerations that made the J-turn more desirable. Having family ties in a new location, and affording the investment needed to settle in a new town, were important explanations to make the J-turn possible.

This paper highlights the need for economic development in rural Vietnam, including the creation of decentralised and sustainable livelihoods, so that return migrants have opportunities to reintegrate within their home communities.