Aufsatz
Smallholder farmers’ access to credit in the Amathole District Municipality, Eastern Cape Province, South Africa
Abstract
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.
Collections
Vol 115, No 2 (2014) (Journal of Agriculture and Rural Development in the Tropics and Subtropics (JARTS))Citation
@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}
}
0500 Oax 0501 Text $btxt$2rdacontent 0502 Computermedien $bc$2rdacarrier 1100 2014$n2014 1500 1/eng 2050 ##0##urn:nbn:de:hebis:34-2014121946870 3000 Baiyegunhi, Lloyd James Segun 3010 Fraser, Gavin C. G. 4000 Smallholder farmers’ access to credit in the Amathole District Municipality, Eastern Cape Province, South Africa / Baiyegunhi, Lloyd James Segun 4030 4060 Online-Ressource 4085 ##0##=u http://nbn-resolving.de/urn:nbn:de:hebis:34-2014121946870=x R 4204 \$dAufsatz 4170 7136 ##0##urn:nbn:de:hebis:34-2014121946870
<resource xsi:schemaLocation="http://datacite.org/schema/kernel-2.2 http://schema.datacite.org/meta/kernel-2.2/metadata.xsd"> 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. </resource>
The following license files are associated with this item:
:Urheberrechtlich geschützt