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首页> 外文期刊>Journal of Natural Sciences Research >Economic Assessment of the Total Amounts of Repayments and Defaults by Large and Small Scale Farmer Beneficiaries of Bank of Agriculture Loans from 2010-2016 in Anambra State, Nigeria.
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Economic Assessment of the Total Amounts of Repayments and Defaults by Large and Small Scale Farmer Beneficiaries of Bank of Agriculture Loans from 2010-2016 in Anambra State, Nigeria.

机译：尼日利亚阿南布拉州2010年至2016年农业银行贷款规模小农场主受益人的还款和违约总金额的经济评估。

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The study examined loan repayments and defaults by large and small scale farmer-beneficiaries of Bank of Agriculture (BOA) loans from 2010-2016 in Anambra State, Nigeria. The specific objectives were to examine the total amounts of loan repayments and defaults by large and small scale farmer- beneficiaries of BOA loans and constraints militating against loan repayment/default by the farmers. A multistage sampling procedure involving purposive and random sampling methods were used to select 256 respondents for the study. Data were collected from both primary and secondary sources. Primary data were collected using two sets of questionnaire; one for the farmers and the other for the bank officials while secondary data were sourced from loan transaction records in the headquarters and branch offices of BOA in the State. Collected data were analysed by means of descriptive statistics technique. Findings on repayments indicated that more repayment, N69, 533,625 constituting 60.33% of total repayment, was made by the large scale farmers on livestock and fisheries enterprises than the N33, 384,988 or 46.71% of the repayment made by the small scale farmers on the loans they obtained for similar enterprises. The small scale farmers’ major (53.29%) repayment was on cropping enterprises while the large scale farmers preferred to spend a smaller percentage (39.67%) of their repayments on cropping enterprises. Comparatively, rate of default was higher (60.33%) for livestock and fisheries enterprises of the large scale farmers than the 46.76% of the small scale farmers. However, rate of default by the small scale farmers, 53.24%, was higher for the cropping enterprises that the 39.67% rate of default recorded by the large scale crop farmers. Poor returns from sale of product and low market price for product were the major constraints. Government through the central Bank should consider reducing cost of lending for agricultural enterprises by lowering the interest rate further and BOA should ensure that disbursements meet up with appraisal amounts in the business plans of the farmers to avoid uncompleted and failed projects were recommended.
机译：该研究调查了尼日利亚阿纳布拉州2010年至2016年农业银行（BOA）贷款的各种规模的农民受益人的还款和违约情况。具体目标是检查BOA贷款的各种规模的农民受益人的贷款偿还和违约总额以及农民抵制贷款偿还/违约的约束。采用目的和随机抽样方法的多阶段抽样程序选择了256名受访者进行研究。从主要和次要来源收集数据。使用两组调查表收集原始数据。一个用于农民，另一个用于银行官员，而辅助数据则来自该州BOA总部和分支机构的贷款交易记录。通过描述性统计技术对收集的数据进行分析。还款结果表明，大型农牧民企业偿还的贷款额为N69，533,625，占总偿还额的60.33％，比小农偿还贷款的N33、384,988或46.71％他们获得了类似企业的支持。小型农户的主要还款（53.29％）用于种植企业，而大型农户则倾向于将其还款的较小部分（39.67％）用于种植业。相比之下，大型农民的畜牧和渔业企业的违约率更高（60.33％），而小型农民的违约率为46.76％。但是，小规模农户的违约率为53.24％，高于大农户的39.67％。产品销售的回报差和产品的市场价格低是主要限制因素。政府通过中央银行应考虑通过进一步降低利率来降低农业企业的借贷成本，并且美国银行应确保支出与农民的商业计划中的评估金额相符，以免提出未完成和失败的项目。

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