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首页> 外文期刊>Asian Journal of Agricultural Extension, Economics & Sociology >Effect of Microcredit on Poverty Reduction among Rural Farm Households in Northeast, Nigeria
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Effect of Microcredit on Poverty Reduction among Rural Farm Households in Northeast, Nigeria

机译：小额信贷对尼日利亚东北部农村农户减贫的影响

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摘要

The paucity of empirical evidence to show the correlation between microcredit and poverty reduction in North-East, Nigeria led to the study on the effect of microcredit on poverty reduction among rural farm households. Multi-stage random and purposive sampling techniques were employed to select 200 farm households who constituted the sample size. Data were collected primarily using structured questionnaire and analysed with the aid of descriptive and inferential statistics. The results showed informal microcredit as the major source of credit for farm households. The result further indicated that 46% of the loan applied for was disbursed, resulting to 47% rise in farm household’s income. Meanwhile, 62% of farm households surveyed were poor with poverty depth of 0.43 and poverty severity at 0.38. The regression analysis on the effect of microcredit on the income of the farm households revealed that the coefficient of income was positive and statistically significant at 1% probability. The effect of microcredit on the poverty profile of farm households revealed that microcredit exerts negative influence on poverty profile of farm households in the study area. The study recommends: the establishment of robust rural credit scheme in rural areas; and institution of policy framework that will enable poor rural households without appropriate collateral to access funds for farm and non-farm activities.
机译：缺乏经验证据来证明尼日利亚东北部小额信贷与减贫之间的相关性，因此开展了关于小额信贷对农村农户减贫影响的研究。采用多阶段随机和有目的的抽样技术来选择构成样本量的200个农户。主要使用结构化问卷收集数据，并借助描述性和推断性统计数据进行分析。结果表明，非正式小额信贷是农户信贷的主要来源。结果还表明，已申请贷款的46％已支付，导致农户收入增加了47％。同时，接受调查的农户中有62％处于贫困状态，贫困深度为0.43，贫困严重度为0.38。对小额信贷对农户收入的影响进行的回归分析表明，收入系数为正，具有1％概率的统计显着性。小额信贷对农户贫困状况的影响表明，小额信贷对研究区域的农户贫困状况产生负面影响。研究建议：在农村地区建立健全的农村信贷计划;制定政策框架，使没有适当抵押的贫困农村家庭能够获得用于农业和非农业活动的资金。

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