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首页> 外文期刊>Journal of Agricultural and Biological Science >Credit access and productivity growth among subsistence food crop farmers in ikole local government area of Ekiti State, Nigeria
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Credit access and productivity growth among subsistence food crop farmers in ikole local government area of Ekiti State, Nigeria

机译：尼日利亚埃基蒂州科莱尔地方政府地区自给型粮食作物农民的信贷获取和生产力增长

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This study examined credit access and productivity growth among subsistence food crop farmers in Ikole Local Government Area of Ekiti State, Nigeria. It utilized data obtained through personal administration of pre-tested questionnaires to 78 respondents selected by purposive, multi-stage and random sampling methods. Non-inferential and inferential statistical tools were used to analyze the data. Majority (91%) of the respondents were literate youths aged 50 years and below, and who depended on personal savings to finance the production activities. Credit access was statistically and significantly determined by educational level, interest rate charged, farm size and net farm income, while marital status, farm size and cost of production significantly influenced net farm income. Credit access was most seriously constrained by high interest rate charged and cumbersome loan processing procedures. Improvement in farmers’ access to loan for enhanced productivity and food security would be achieved through the introduction of concessionary interest rates and removal of cumbersome loan administrative procedures. Strengthening the extension services delivery system will ensure availability and affordability of inputs, and enhance productivity and sustainability of the enterprise.
机译：这项研究调查了尼日利亚Ekiti州Ikole地方政府地区自给自足的粮食作物农民的信贷获取和生产力增长。它利用通过个人管理预先测试的调查表获得的数据，对通过有目的，多阶段和随机抽样方法选择的78位受访者进行了调查。使用非推论和推论统计工具来分析数据。大部分（91％）的受访者是50岁及以下的有文化素养的年轻人，他们依靠个人储蓄来资助生产活动。信贷获取的统计和显着程度取决于教育程度，收取的利率，农场规模和农场净收入，而婚姻状况，农场规模和生产成本显着影响了农场净收入。高利率和繁琐的贷款处理程序严重限制了信贷的获取。通过采用优惠利率和取消繁琐的贷款管理程序，可以改善农民获得贷款的机会，从而提高生产率和粮食安全。加强扩展服务交付系统将确保投入的可用性和可承受性，并提高企业的生产率和可持续性。

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