Credit for agricultural machinery with or without IT support in the preparation of documentation for medium-sized agricultural enterprises

Lending is one of the important ways of buying agricultural machinery - It is of particular importance for the business of medium-sized agricultural companies that need to take into account the complex perception of numerous influencing factors, above all the influence on the formation of the level of interest rates as the driver of all purchases, especially equipment. It was found that there is a significant difference if the documentation that was made for the purposes of obtaining a loan was previously controlled by IT support systems in comparison to documentation where there was no control through IT. Apart from that, the biggest influence of individual factors on crediting is given by the following factors: management of loans, i.e. credit flow, participation in loans and interest rates within the overall overview of purchases of agricultural machinery in the regular business of medium-sized agricultural enterprises. All of this was reinforced by the fact that it was discovered that it is possible to predict the interest rate through other analyzed factors, especially loan repayment and lending of agricultural machinery, i.e. equipment, because they have a significant impact on the analyzed interest rate factor (p<0.0005).