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首页> 外文期刊>International Journal of Livestock Production >Analysis of creditworthiness and loan repayment among bank of agriculture loan beneficiaries (Poultry farmers) in Cross River State, Nigeria
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Analysis of creditworthiness and loan repayment among bank of agriculture loan beneficiaries (Poultry farmers) in Cross River State, Nigeria

机译：尼日利亚克罗斯河州农业银行贷款受益人（家禽养殖户）之间的信誉度和还款分析

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摘要

Due to the high rate of defaults amongst loan beneficiaries in Nigeria and Cross River State in particular, this study examined creditworthiness and loan repayment of poultry 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. A total of 120 poultry farmers were used in the study. Data were collected by questionnaire and analyzed by means, frequencies, percentages, discriminant analysis and multiple regression techniques. The results revealed that 51.7% of the respondents were credit worthy. Also, Farmers with better educational level and large farm sizes were non credit worthy. While farmers with large total operating expenditure-income ratio, longer years of farming, older farmers with adequate supervision were credit worthy. The results of the linear regression model showed that farmers with large Loan amounts, better educational level, larger farm income, late disbursement and large farm sizes repaid their loans more. An increase in these variables increased their repayment ability. While farmers who were defaulting in their loan repayments were supervised more than those who were not defaulting. The study recommended that older and experienced farmers should be taken in to consideration when loan applications are made.
机译：由于尼日利亚尤其是跨河州的贷款受益人违约率很高，因此本研究考察了跨河州的家禽养殖户的信誉度和偿还贷款的情况。具体而言，该研究评估了借款人的信用度，确定了区分信用度和非信用度的农民的因素，并分析了影响农民偿还贷款能力的因素。该研究总共使用了120个家禽养殖者。通过问卷收集数据，并通过手段，频率，百分比，判别分析和多元回归技术进行分析。结果显示，有51.7％的受访者信誉良好。同样，受过良好教育和较大农场规模的农民也不值得信用。尽管总运营支出/收入比率高的农民，耕种年限较长，但在适当监管下的老龄农民却值得信赖。线性回归模型的结果表明，拥有大量贷款，较高的教育水平，较大的农场收入，较晚的支出和较大的农场规模的农民还清了更多的贷款。这些变量的增加增加了其还款能力。拖欠贷款的农民受到的监管要多于不拖欠贷款的农民。研究建议在提出贷款申请时应考虑到年长和经验丰富的农民。

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