EN
The aim of the paper is to present and evaluate the opinion of farmers on the financing of holding foreign capital under criterion of cropland area usage in farms. The study was conducted using a questionnaire interview on a group of 100 farmers individual agricultural holdings leading accounting and agricultural FADN system, in mazowieckie voivodship. The main objectives of increasing the debt level were indicated by farmers in two opposing aims such as maintaining liquidity at a safe level and carrying out rapid modernization and development of farms. The greatest number of determinants shaping the debt level were found in farms characterized with the largest cropland areas. Among the most frequently cited factors by farmers, mainly were distinguish: the value of investments which need external financing and the value of the loan and interest.