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首页> 外文期刊>Journal of Economics and Sustainable Development >Determinants of Coffee Growers’ Choice of Financing Options: The Case of Dale District, Sidama Zone, Ethiopia
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Determinants of Coffee Growers’ Choice of Financing Options: The Case of Dale District, Sidama Zone, Ethiopia

机译：咖啡种植者选择融资方式的决定因素：以埃塞俄比亚Sidama区Dale区为例

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The study assessed determinants of coffee farmers’ choices of financial options in Dale district. The study followed multistage simple random sampling method. Data collected from 162 coffee producing households in Dale district were used. Descriptive statistics for summarizing the socioeconomic and demographic characteristics of coffee producing households and multinomial logit model to analyze the determinants of farmers’ financing source choices were used. According to descriptive statistics finding, education level of the household head, total livestock owned by the household, total land holding and land covered by coffee, average annual coffee supply of household , households past loan experience, membership to SACCOs, holding saving account and local administrative role of the household head shows statistically significant difference among households choice of financing options. The multinomial logit analysis result shows that, compared to financial institution (base category), household‘s livestock holding and households’ proximity to financial institution positively affectsthe use of equity financing, whereas house heads’ sex, holding a saving account, affiliation to local administration and past loan history negatively affects the use of equity financing. While holding a saving account, house head‘s age and affiliation to local administration negatively affects the choices of value chain financing. Households’ total livestock holding found to positively affect choice of value chain financing and other informal sources of finance than financial institutions. Conversely, holding a saving account, total land holding of the household and affiliation to a local administration are found to negatively affect the choice of other informal sources of financing than financial institutions. The study suggests that mounting of financial institutions; overcoming the bureaucracy and transparency problems of government owned financial institutions; provision of financial information and awareness creation for chain actors will improve the farmers’ financial choice decision.
机译：这项研究评估了Dale地区咖啡农对金融选择的决定因素。该研究遵循多阶段简单随机抽样方法。使用从戴尔地区的162个咖啡生产家庭收集的数据。使用描述性统计数据来总结咖啡生产家庭的社会经济和人口特征，并使用多项式logit模型分析农民融资来源选择的决定因素。根据描述性统计发现，户主的教育水平，家庭拥有的牲畜总数，土地持有量和咖啡覆盖的土地总量，家庭的年平均咖啡供应量，家庭过去的贷款经验，SACCO的成员资格，持有储蓄账户和当地居民户主的行政角色显示出不同住户在选择融资方式方面的统计学差异。多项logit分析结果表明，与金融机构（基本类别）相比，家庭的牲畜持仓量和家庭与金融机构的近距离对股权融资的使用产生积极影响，而户主的性别，持有储蓄账户，与当地人有联系管理和过往的贷款历史会对股权融资的使用产生负面影响。持有储蓄帐户时，房主的年龄和与地方行政机构的隶属关系会对价值链融资的选择产生负面影响。发现家庭拥有的牲畜总数比金融机构对价值链融资和其他非正式融资来源的选择产生积极影响。相反，发现拥有储蓄账户，家庭的总土地持有量以及与地方政府的隶属关系会对金融机构以外的其他非正式融资来源的选择产生不利影响。研究表明，金融机构的数量增加;克服政府拥有的金融机构的官僚主义和透明度问题;为连锁经营者提供财务信息和提高意识，将改善农民的财务选择决定。

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