Investments are the most effective factors of development of agriculture. In agricultural farms the fund of accumulation is the main source of financing of investment. However, dispersed agriculture is not able to finance its development independently. The external financing (e.g. credits) plays there a significant role. Efficiency of the investment credit depends on results, which brings its usage and their compatibility with postulated aims of the farm. The paper presents the effects of investment credits used by farmers in the Podkarpacki region.

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