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首页> 外文期刊>African Journal of Agricultural Research >Estimating farmers patronage level of informal credit in Imo State: Implication for efficient formal and informal financial linkage and rural development
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Estimating farmers patronage level of informal credit in Imo State: Implication for efficient formal and informal financial linkage and rural development

机译：估算伊莫州农民对非正式信贷的支持程度：对有效的正式和非正式金融联系及农村发展的影响

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摘要

Low agricultural productivity in Imo State is blamed on poor grassroot financial development. Farmers are caught between maginalization, clumsy, costly and grossly inefficient credit delivery system. An efficient informal credit patronage that engenders informal-formal credit linkage system in Imo State was investigated. Data were collected from 59 arable crop farmers and 15 Informal Financial Agencies (IFAs) in Imo State and analysed using both descriptive ststistics and econometric tools such as frequency/means and Ordinary Least Square regression analysis (OLS) respectively. The result showed that 93.2% of the farmers must have accessed credit from town union/age grade while 55.5 and 33.9% were with Esusu and cooperatives respectively. The mean informal credit patronage? ratio of? 0.712, ranging from 0.64 (town unions) to 0.97 (esusu groups) was recorded. Average loan of N12,756.61 (town unions) to N12,959.79 (esusu) was obtained. Though there were disbursement with more members in the town unions yet the level of credit patronage was highest (97.0%) with esusu group of farmers. Increase in education, farming experience, household size and social capital each has a significant and positive effect on informal credit patronage while interest rate reduces it. It is recommended that the formal credit sectors should cash on this high informal credit patronage to market loan facilities to informal credit agencies at a lower cost for an informal-formal credit linkage.
机译：伊莫州农业生产率低下是由于基层金融发展不佳。农民陷入了虚构，笨拙，成本高昂且效率极低的信贷传递系统之间。在伊莫州建立了一个非正式的正式信贷联系系统的有效的非正式信贷赞助进行了调查。从Imo州的59个可耕作物农民和15个非正式金融机构（IFA）收集了数据，并分别使用描述性统计和计量经济学工具（例如频率/平均值和普通最小二乘回归分析）进行了分析。结果表明，93.2％的农民必须获得城镇工会/年龄级的信贷，而55.5％和33.9％的农民分别来自Esusu和合作社。意味着非正式的信贷赞助？比例？记录为0.712，范围从0.64（城镇工会）到0.97（esusu组）。平均贷款为N12,756.61（城镇工会）至N12,959.79（esusu）。尽管在城镇工会中有更多的成员进行支付，但是以esusu小组的农民来说，他们的信贷赞助水平最高（97.0％）。教育，耕种经验，家庭规模和社会资本的增加，对非正式信贷的支持都有显着的积极影响，而利率降低则对其产生积极的影响。建议正规信贷部门利用这种高度的非正规信贷惠益兑现，以较低的成本向非正规信贷机构推销给非正规信贷机构的贷款。

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