| Sumario: | This paper gives insights of decision-making process of the Macedonian farmers and the problems they face in the decision process. In addition, there are possible solutions for the problem in the decision process. The paper also, introduces the problems on the market, lack of available sources for acquiring information, huge interest rates, problem with land property rights, piles of administrative paper work.
The data was collected using survey and for this purpose, a questionnaire was composed. Further, for the theoretical part was used model “Revised conceptual model of the decision making process” (B. Ohlmer at al, Agricultural Economics 18(1998), 273-293) and plus two additional illustration, concerning intuitive decision-making and environment surrounding the farmer. As analysing tool for the data, it was used the T- test where the farmers were split in two groups: farmers who are using financial services and farmer who did not use.
For the analysing part, collected data from the survey was implemented in the models and conclusions were stated. This issue is interesting, since this topic is not studied before especially in the agriculture
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