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Determinants of agricultural credit demand and supply among small-scale farmers in Nigeria

机译：尼日利亚小农之间农业信贷需求和供应的决定因素

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摘要

This paper analyses the factors determining the demand for and supply of agricultural credit (loans) among small-scale farmers in south-western Nigeria. Empirical data were obtained from 270 farmers who used credit. The data were analysed using descriptive statistics and statistical models. Analysis revealed that farmers who used credit were younger (average: 47 years old), and that cultivated farm sizes (average: 3.8 ha) were larger than the national average. The statistical models showed that the interest rate,farm expenditure, the amount borrowed from alternative sources, farm size and savings were the main determinants of credit demand, while interest rates charged, the level of savings of respondents, the amount of loan demanded and the proportion of previous loans repaid were the major determinants Of credit supply. In order to improve the agricultural sector, formal lending institutions should target younger farmers, including women, use group and social assets as collateral rather than physical assets, charge commercial interest rates, mobilize savings through their rural outposts and give medium-term rather than short-term loans.
机译：本文分析了决定尼日利亚西南部小农户农业信贷（贷款）供求的因素。从270名使用信贷的农民那里获得了经验数据。使用描述性统计数据和统计模型对数据进行了分析。分析表明，使用信贷的农民年龄较小（平均年龄：47岁），耕地规模（平均面积3.8公顷）大于全国平均水平。统计模型表明，利率，农业支出，从其他来源借来的金额，农场规模和储蓄是信贷需求的主要决定因素，而收取的利率，受访者的储蓄水平，需求的贷款额和以前偿还贷款的比例是信贷供应的主要决定因素。为了改善农业部门，正式的贷款机构应针对包括妇女在内的年轻农民，使用群体和社会资产作为抵押而不是有形资产，收取商业利率，通过农村前哨点动员储蓄，并提供中期而不是短期的贷款。定期贷款。

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