Gebeyehu ManieAmanuel Nigus2026-03-062026-03-062025-06-01https://etd.aau.edu.et/handle/123456789/7871This study examined the determinants of rural households’ access to credit and its impact on household’s food security and crop productivity in rural Ethiopia. To this end it employed a secondary data of 1524 rural households participated on the 2021/22 socio-economic survey accessed from the World Bank data base. Households’ food security status was measured by dietary diversity score and daily calorie consumption per adult equivalence. As to econometric methodology, binomial logistic regression model was used for identifying factors affecting households’ credit access, while endogenous switching regression model was employed for examining the impact of access to credit on food security and crop productivity (yield) outcomes. The study revealed that access to credit is very low in rural Ethiopia in which only 7.2% of sample households have managed to get credit access. Moreover, the result of binomial logistic regression model indicated that age of household head, monthly income, livestock size, distance from nearest market center and access to extension services are key determinants of rural households access to credit in the study area. Results of average treatment effect indicate that access to credit significantly boosts teff and maize productivity in the study area. However, despite significantly enhancing improved seed and chemical fertilizer adoption, it is not found to have impact on food security. It emphasizes the need for complementary interventions to address broader household welfare, ensuring that agricultural gains translate into sustainable food security outcomes for rural households of Ethiopia. Key Words: Credit Access, Endogenous Switching regression, Food Security, EthiopiaenThesis