ACCESSIBILITY OF AGRICULTURAL CREDIT BY RURAL WOMEN AND THE IMPLICATION ON NIGERIA AGRICULTURAL OUTPUT: A CASE STUDY OF JEMA’A AND KAURA LOCAL GOVERNMENT AREA OF KADUNA STATE

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dc.contributor.authorISA, GRACE HEZEKIAH
dc.date.accessioned2014-02-28T07:54:48Z
dc.date.available2014-02-28T07:54:48Z
dc.date.issued2009-04
dc.descriptionAN MSC THESIS SUBMITTED TO THE POST GRADUATE SCHOOL AHMADU BELLO UNIVERSITY, ZARIA NIGERIA IN PARTIAL FULFILLMENT OF THE AWARD OF MASTER OF SCIENCE IN ECONOMICS DEPARTMENT OF ECONOMICS, AHMADU BELLO UNIVERSITY, ZARIA NIGERIA APRIL, 2009.en_US
dc.description.abstractThis study investigated rural women access to agricultural credit and the effect on agricultural output. Primary data were collected through the use of structured questionnaire and Focus Group Discussion (FGD). Two Local Government Areas (LGAs) were selected based on women involvement in agricultural activities. These were Jema’a and Kaura (LGAs). A multi-stage random sampling technique was applied in the selection of eighty (80) women farmers. Each local government areas had (40) respondents. A high percentage of the questionnaires administered during the research were retrieved. A total number of 78 questionnaires out of the 80 questionnaires administered were retrieved, representing 98% response rate. The analytical tools used include among others frequencies, mean, and percentages. The chi-square was also used to test the null hypotheses that there was no significant relationship between socio-economic factors and access to credit and also no significant relationship between amount accessed and output. The results show that there were two main sources of agricultural credit in these areas. They are formal and informal agricultural credit. It was discovered that 17% of these rural women sourced credit from formal sources (commercial banks/ Agricultural banks) and 83% of them got theirs from informal sources like friends, relatives, NGOs, and personal saving. The women in the study area encountered problems like inaccessibility of credit institution, lack of collateral security, administrative bureaucracy in accessing formal sources of credit. Problems like insufficient amount and high interest rate posed challenges in accessing informal sources of credit. The study proffered solutions like the establishment of banks in the rural areas, minimization of procedure in getting loans and implementing programmes that will facilitate women access to credit facilities. The cross tabulation/chi-square analysis showed that occupation education and land ownership had influenced on access to agricultural credit. Socio-economic factors like age, family size, farm size had no influence on access to credit. Finally, the chi square analysis proved that there was a significant relationship between amount accessed and level of output. Women who received higher amount experienced increase in their agricultural output.en_US
dc.identifier.urihttps://kubanni.abu.edu.ng/handle/123456789/2929
dc.language.isoenen_US
dc.subjectACCESSIBILITY,en_US
dc.subjectAGRICULTURAL,en_US
dc.subjectRURAL WOMEN,en_US
dc.subjectIMPLICATION,en_US
dc.subjectNIGERIAen_US
dc.subjectJEMA’A,en_US
dc.subjectKAURA LOCAL GOVERNMENT,en_US
dc.subjectKADUNA STATE.en_US
dc.titleACCESSIBILITY OF AGRICULTURAL CREDIT BY RURAL WOMEN AND THE IMPLICATION ON NIGERIA AGRICULTURAL OUTPUT: A CASE STUDY OF JEMA’A AND KAURA LOCAL GOVERNMENT AREA OF KADUNA STATEen_US
dc.typeThesisen_US
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