Aufsatz
Smallholder farmers’ access to credit in the Amathole District Municipality, Eastern Cape Province, South Africa
Zusammenfassung
Provision of credit has being identified as an important instrument for improving the welfare of smallholder farmers directly and for enhancing productive capacity through financing investment by the farmers in their human and physical capital. This study investigated the individual and household characteristics that influence credit market access in Amathole District Municipality, Eastern Cape Province, South Africa, using a cross sectional data from smallholder farmers’ household survey. The aim is to provide a better understanding of the households’ level socio-economic characteristics, not only because they influence household’s demand for credit but also due to the fact that potential lenders are most likely to base their assessment of borrowers’ creditworthiness on such characteristics. The results of the logistic regression suggest that credit market access was significantly influenced by variables such as gender, education, households’ income, value of assets, savings, dependency ratio, repayment capacity and social capital. Implications for rural credit delivery are discussed.
Zitierform
In: Journal of Agriculture and Rural Development in the Tropics and Subtropics. Kassel : Kassel University Press. - Vol. 115, No. 2 (2014), S. 79-89Sammlung(en)
Vol 115, No 2 (2014) (Journal of Agriculture and Rural Development in the Tropics and Subtropics (JARTS))Zitieren
@article{urn:nbn:de:hebis:34-2014121946870,
author={Baiyegunhi, Lloyd James Segun and Fraser, Gavin C. G.},
title={Smallholder farmers’ access to credit in the Amathole District Municipality, Eastern Cape Province, South Africa},
year={2014}
}
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2015-01-13T14:39:30Z 2015-01-13T14:39:30Z 2014 1612-9830 urn:nbn:de:hebis:34-2014121946870 http://hdl.handle.net/123456789/2014121946870 eng Kassel University Press Urheberrechtlich geschützt https://rightsstatements.org/page/InC/1.0/ smallholder rural households access credit productivity 630 Smallholder farmers’ access to credit in the Amathole District Municipality, Eastern Cape Province, South Africa Aufsatz Provision of credit has being identified as an important instrument for improving the welfare of smallholder farmers directly and for enhancing productive capacity through financing investment by the farmers in their human and physical capital. This study investigated the individual and household characteristics that influence credit market access in Amathole District Municipality, Eastern Cape Province, South Africa, using a cross sectional data from smallholder farmers’ household survey. The aim is to provide a better understanding of the households’ level socio-economic characteristics, not only because they influence household’s demand for credit but also due to the fact that potential lenders are most likely to base their assessment of borrowers’ creditworthiness on such characteristics. The results of the logistic regression suggest that credit market access was significantly influenced by variables such as gender, education, households’ income, value of assets, savings, dependency ratio, repayment capacity and social capital. Implications for rural credit delivery are discussed. open access In: Journal of Agriculture and Rural Development in the Tropics and Subtropics. Kassel : Kassel University Press. - Vol. 115, No. 2 (2014), S. 79-89 Baiyegunhi, Lloyd James Segun Fraser, Gavin C. G. Gedruckte Ausg. im Verlag Kassel Univ. Press (www.upress.uni-kassel.de) erschienen.
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