摘要：The study presents the terms and types of loans granted for agricultural activities based on Bank Spółdzielczy in Bielsk Podlaski. The granting of loans by a cooperative bank is one of the basic tasks of its activity. To finance agricultural activities, apart from own capital (funds), business entities used foreign capital, mainly for the purchase of arable land, agricultural machinery and equipment, construction and modernization of buildings, varieties of cereals and root crops, mineral fertilizers and plant protection products. The bank granted loans for a definite period, and the condition for granting the loan was the possession of creditworthiness, i.e. the ability to pay it back. The condition for obtaining a loan by a farmer was to accept his purposefulness and amount in relation to the reported needs. Bank Spółdzielczy in Bielsk Podlaski granted the most (total) loans in 2017, and the least in 2014. Cash loans were the most popular, and the least preferential ones. The year 2018 was not very successful for the Bank in the number of loans granted due to the saturation of farms, and also due to the availability of other forms of financing, such as consumer loans and loans granted by commercial banks. The reason was also incorrectly prepared documentation. Farmers in the years 2014–2017 equipped their farms with fixed and current assets and in 2018 did not show much interest and needs.
其他摘要：Prowadzenie działalności rolniczej wymaga pozyskiwania środków finansowych niezbędnych do jej funkcjonowania oraz prawidłowego rozwoju. Najbardziej klasycznym przykładem finansowania działalności rolniczej są kredyty bankowe. Kredyty są w większości wykor
