A Study of the Factors that Affect the Use of Agricultural Credit among Peasant Farmers in Ethiopia: The Case of Two Districts
| dc.contributor.advisor | Mulat, Teshome(Dr.) | |
| dc.contributor.author | Admassie, Assefa | |
| dc.date.accessioned | 2021-09-29T13:26:17Z | |
| dc.date.accessioned | 2023-11-04T10:31:14Z | |
| dc.date.available | 2021-09-29T13:26:17Z | |
| dc.date.available | 2023-11-04T10:31:14Z | |
| dc.date.issued | 1987-06 | |
| dc.description.abstract | A necessary and important ingredient in the development process of subsistence agriculture is the introduction of improved technology and land management practices. But these are related to the availability of suitable agricultural credit facilities. Although several agricultural credit policies and programmes nave been introduced in Ethiopia very few peasant farmers have been integrated in to these programmes. More over ,the proportion of private peasant using agriculture credit has remained unsatisfactory .except for some short-term credit from the Ministry of Agriculture for input procurement';, agricultural credit services available to the peasant farmers are still of a rudimentary nature. In light or these facts, it would be desirable to find concrete explanations for the low level of credit use by subsistence farmers. Consequently, the central objective of t he thesis has been the determinations of both institutional and non-institutional factors which influence subsistence farmers credit use. since the detailed information base necessary to forward a solution to the problem is not readily available , the case study method has been considered to find such details. Towards this end, two districts were purposively selected on the basis of their response to the introduction of improved technology . A random sample of two peasant associations was drawn from each district and from each peasant association selected , a simple random sample of farm household heads was taken .Data were collected in the months of March and April 1986. Both Qualitative and quantitative techniques were used to analyse the stated objectives. In particular , the techniques of discriminate analysis and multiple linear regression analysis have been applied to identify the important socio-economic factors that characterize credit users and non-users and those which determine the volume of loan absorbed by a farm household. 'The result of the study has shown that subsistence farmers credit use has been limited by institutional factors both before the Revolution and after the revolution. the findings also show that peasant farmers ' credit use is also influenced by a set of social and economic factors . The level of education, the use of improved technology , the size of operational area , inadequate market arrangements together with extension service availability and two of the hypothesised production limitations (need for more land and product price security) have been observed to be the main factors which distinguish borrowers from non- borrowers. The age of the farm household head and investment expenses are also important to classify farmers as borrowers or non- borrowers The results of the multiple linear regression analysis have also indicated that the variations in loan size are explained by a set of social- economic variables In this regard, income , credit experience, and value of livestock were found to be the main determinants of loan size . The study reflects that the formulation of an appropriate agricultural credit policy together with other complementary services is important in order to raise agricultural productivity of subsistence farmers in rural Ethiopia . | en_US |
| dc.identifier.uri | http://etd.aau.edu.et/handle/123456789/28007 | |
| dc.language.iso | en | en_US |
| dc.publisher | A.A.U | en_US |
| dc.subject | Agricultural Credit among Peasant Farmers in Ethiopia | en_US |
| dc.subject | Factors that Affect | en_US |
| dc.title | A Study of the Factors that Affect the Use of Agricultural Credit among Peasant Farmers in Ethiopia: The Case of Two Districts | en_US |
| dc.type | Thesis | en_US |