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首页> 外文期刊>British Journal of Economics, Management & Trade >Repayment Performance among Cassava and Yam Farmers under Nigerian Agricultural Bank Smallholder Loan Scheme in Cross River State, Nigeria
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Repayment Performance among Cassava and Yam Farmers under Nigerian Agricultural Bank Smallholder Loan Scheme in Cross River State, Nigeria

机译：尼日利亚克罗斯河州尼日利亚农业银行小农贷款计划下的木薯和薯类农民的还款表现

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摘要

This study analyzed credit worthiness and loan repayment performance of cassava and yam farmers in cross river state. Specifically, the study assessed credit worthiness of borrowers, identified factors that discriminate between credit worthy and non credit worthy farmers and analyzed factors that influence the farmers’ ability to loan repayment. Purposive and multistage random techniques were used in selecting respondents from which primary data were collected using questionnaires. A total of 150 crop farmers were used in the study. Method of data analysis utilized were means, frequencies, percentages, discriminant analysis and the multiple regression analysis. The results revealed that only 56% of the respondents were creditworthy. Also, farmers with better educational level, larger farm sizes, longer years of farming, proper loan supervision, and low total operating expenditure to income ratio were credit worthy farmers. While farmers with lower loan to asset ratio were said to be non credit worthy. The results of the linear regression model showed that farmers with higher educational level, larger loan amount, and adequate supervision repaid their loans more. An increase in these variables increased their repayment ability. While farmers with longer years of farming, and those whose loans were disbursed late repaid less of their loans. An increase in these variables decreased their repayment ability. The study recommended that more supervision should be exercised on loan beneficiaries to encourage prompt repayment of loan. The bank should consider those with higher level of educational if complete repayment is to be achieved.
机译：本研究分析了横河州的木薯和山药农民的信用价值和还贷表现。具体而言，该研究评估了借款人的信用价值，确定了区分信用信用和不信用信用的农民的因素，并分析了影响农民偿还贷款能力的因素。目的性和多阶段随机技术用于选择使用调查表从中收集主要数据的受访者。该研究总共使用了150名农作物。使用的数据分析方法是平均值，频率，百分比，判别分析和多元回归分析。结果显示，只有56％的受访者信誉良好。而且，受过良好教育的农民，更大的农场规模，更长的耕种年限，适当的贷款监督以及较低的总运营支出与收入比率都是值得称赞的农民。据说贷款/资产比率较低的农民是不值得信贷的。线性回归模型的结果表明，受教育程度较高，贷款额较大且有足够监督的农民还清了他们的贷款。这些变量的增加增加了其还款能力。虽然农民的耕种时间较长，而那些贷款被延迟支付的人却少偿了贷款。这些变量的增加降低了其还款能力。研究建议对贷款受益人进行更多的监督，以鼓励及时偿还贷款。如果要完全还款，银行应考虑那些受过高等教育的人。

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