Factors affecting loan repayment rate among smallholder farmers got loans from the Amhara Credit and Saving Institution: In the case of Habru District, Amhara Regional State, Ethiopia

2021 ◽  
pp. 223386592110409
Author(s):  
Andualem Kassegn ◽  
Ebrahim Endris
Keyword(s):  
Smallholder Farmers ◽  
Loan Repayment ◽  
Factors Affecting ◽  
Explanatory Variables ◽  
Secondary Sources ◽  
Multi Stage ◽  
Nonfarm Income ◽  
Development Agents ◽  
Land Size ◽  
Road Distance

The aim of this paper was to examine factors affecting loan repayment rate among smallholder farmers in the Habru District, Ethiopia, who had taken loans from the Amhara Credit and Saving Institution. In this study, both primary and secondary sources were used. The study employed a combination of multi-stage purposive and stratified sampling techniques in the selection of 384 borrowers from smallholder farmers in the study area. The Tobit model result found that a total of 10 out of the total 15 explanatory variables involved in the model were found to be statistically significant. According to the result demographic factors (age and household size), socio-economic factors (educational level, land size, livestock size, nonfarm income, purpose of borrowing), and institutional factors (road distance, contact with development agents, training received on loan use) were among the factors that influenced loan repayment rate of smallholder borrowers in the study area. Education level, land size, livestock size in tropical livestock unit, nonfarm income, purpose of borrowing, contact with agricultural extension agents, and training received on loan use were found to determine loan repayment rate of borrowers positively and significantly, while age, family size, and road distance were found to negatively and significantly determine loan repayment rate in the study area. Therefore, the overall results of this study underlined the great importance of the significant factors to profoundly achieve high repayment rate on borrowed funds from the Amhara Credit and Saving Institution in the studied area.

scholarly journals Factors Affecting Loan Repayment Rate from ACSI among Smallholder Farmers: In the case of Habru District, Eastern Amara Regional State, Ethiopia

2021 ◽  
Author(s):  
Andualem Kassegn ◽  
Ebrahim Endris
Keyword(s):  
Smallholder Farmers ◽  
Secondary Data ◽  
Farm Income ◽  
Loan Repayment ◽  
Factors Affecting ◽  
Explanatory Variables ◽  
Multi Stage ◽  
Land Size ◽  
Small Holder ◽  
Road Distance

Abstract This paper aims to examine factors affecting loan repayment rate from Amhara Credit and Saving Institutions (ACSI) among smallholder farmers in Habru district, Ethiopia. In this study, both primary and secondary data sources were used. The study employed a combination of multi-stage purposive and stratified sampling techniques in the selection of 384 borrowers from small-holder farmers in the study area. The Tobit model result found that a total of 10 out of the total 15 explanatory variables involved in the model were found to be statistically significant. According to the result demographic factors (age and household size), socio-economic factors (educational level, land size, livestock size, non-farm income, purpose of borrowing), and institutional factors (road distance, contact with development agents, training received on loan use) were among the factors that influenced loan repayment rate of small-holder borrowers in the study area. Education level, land size, livestock size in TLU, non-farm income, purpose of borrowing, contact with agricultural extension agents, and training received on loan use were found to determine loan repayment rate of borrowers positively and significantly, while age, family size, and road distance were found negatively and significantly determine loan repayment rate in the study area. Therefore, the overall result of this study underlined the great importance of the significant factors to profoundly achieve high repayment rate on borrowed funds from ACSI in the study area.

scholarly journals The Factors Affecting Land Prices In Housing Location In Sidoarjo Regency

2017 ◽  
Vol 1 (1) ◽  
pp. 37-47
Author(s):  
Partomi Simangunsong ◽  
Arasy Alimudin ◽  
Muh. Barid Nizaruddin Wajdi
Keyword(s):  
Residential Location ◽  
Least Square ◽  
City Center ◽  
Sale Price ◽  
Factors Affecting ◽  
Explanatory Variables ◽  
Ordinary Least Square ◽  
Road Width ◽  
Log Linear ◽  
Road Distance

The need for residential location is one of the basic needs of the community and the attractiveness of the residential location is a unique feature where this feature is not made by the respective occupants, but by external factors from the residential environment in the area. This study aims to analyze the factors that are considered as the basis that affect the price of land. This research uses quantitative approach with associative research method. Linear analysis with quadratic method. Ordinary Least Square (OLS). From the analysis of this research model obtained log-linear F-accounting 70,162 while the value of F-table (0,05; 5,48) is 2,45. because F-count> F-table, Ho means rejected and explanatory variables include Distance to city center, Distance to main road, Distance to toll gate, Road width, and security simultaneously can be explained significantly at land sale price.

scholarly journals Assessing Factors Affecting Moringa Production at North-western Zone of Tigray, Ethiopia

2020 ◽  
Vol 2 (1) ◽  
pp. p17
Author(s):  
Teklemariam Abadi Gebrezihar ◽  
Zemeda Desta ◽  
Hadush Hagos
Keyword(s):  
Sampling Procedure ◽  
Human Consumption ◽  
Limiting Factor ◽  
Northern Ethiopia ◽  
Factors Affecting ◽  
Plant Cultivation ◽  
Multi Stage ◽  
Western Zone ◽  
Land Size ◽  
Lack Of Knowledge

Moringa is a highly valued plant that is mostly grown in arid and semi-arid areas which used for food, medication and industrial purposes. This study investigates the factors affecting Moringa plant cultivation among farmers in Northern Ethiopia. A multi-stage sampling procedure was employed to collect data from 54 farmers using questionnaire. Data were analysed using the descriptive statistics. The study identified the socioeconomic characteristics of the sampled respondents. Literate farmers were better in cultivation of Moringa plant than the illiterate one. It also reveals that land size were not the limiting factor for Moringa cultivation in the study area. This study shows that though farmers utilize Moringa, but still there is lack of knowledge on production, utilization, nutritional and economic importance of the plant. Of the total sampled 46.3% of the respondents used Moringa for human consumption. While compared to the proportion who cultivates Moringa it is relatively low. This low utilization of Moringa in the area attributed due to limited or no awareness on nutritional importance of Moringa and lack of knowledge on preparation of the Moringa utilization. The farmers mentioned that the main constraints that hinder Moringa cultivation is lack of awareness, lack of seedling availability, easily damageable by animals and attacked by termites. Based on the findings; this study recommends that the respective districts, other stakeholders and projects should take responsibilities in creating awareness regarding benefits and utilization process of the plant and offering Moringa seedlings to the society.

scholarly journals Commercialization of Smallholder Pulse Producers in East Gojjam Zone, Ethiopia

2019 ◽  
Vol 8 (4) ◽  
pp. 84
Author(s):  
Assefa Tilahun ◽  
Jema Haji ◽  
Lemma Zemedu ◽  
Dawit Alemu
Keyword(s):  
Smallholder Farmers ◽  
Farming System ◽  
Farm Households ◽  
Market Information ◽  
Cross Sectional ◽  
Factors Affecting ◽  
Commercial Farming ◽  
New Varieties ◽  
Livestock Feeding ◽  
Land Size

This study examines pulse producers’ commercialization using a cross-sectional data obtained from 385 randomly and proportionately selected sampled households from East Gojjam zone, Amhara National Regional State of Ethiopia. Data were analyzed using descriptive statistics and econometric model to characterize sample households and identify factors affecting pulse output commercialization. The mean commercial index for the sample households was 0.345 which indicates that on average a household sold 34.5% of his/her total pulse produce. As a result, farm households’ output commercialization levels fall in semi-commercial farming system. Two limit Tobit model result indicated that farm households’ crop output commercialization was positively and significantly influenced by access to improved seed, cooperative membership, land size, access to market information and pulse yield and was negatively and significantly influenced by family size and livestock owned. Based on the findings, improved seed/new varieties should be released and accessed to smallholder farmers, deliver market information timely, land owned allocation should be intensified so that smallholder producers can increase their crop output commercialization, strengthening the existing farmers’ cooperatives and finally cut and carry livestock feeding system should be practiced in order to manage farm land properly.

scholarly journals Challenges of smallholder farmers in accessing agricultural information in Southern Ethiopia

2020 ◽  
Vol 12 (1) ◽  
pp. 87-95
Author(s):  
G.R. Megerssa ◽  
B.G. Gemede ◽  
A.W. Jarsa
Keyword(s):  
Information Seeking ◽  
Smallholder Farmers ◽  
Secondary Data ◽  
Structured Interview ◽  
Primary Data ◽  
Southern Ethiopia ◽  
Chi Square ◽  
Secondary Sources ◽  
Female Farmers ◽  
Development Agents

Abstract: The study was focused on identifying sources of agricultural information and analyzing challenges faced by smallholder farmers in accessing agricultural information in Southern Ethiopia. To achieve the stated objectives the study district was selected purposively from Wolaita zone by selecting five kebeles randomly. At the end, a total of 150 sample households were randomly selected from these five kebeles. To collect the data both primary and secondary sources were used for the purpose of this study. Primary data were collected directly from sample respondents through structured and semi-structured interview schedules, observation and focus group discussions. Secondary data were collected from Woreda agriculture and rural development office report, and other relevant books, journal articles and the Internet. After the relevant data were collected, the descriptive statistics such as mean, frequency, and percentage, and the inferential statistics such as chi-square tests were also used. The findings indicate that female farmers, illiteracy, location of market center, information seeking behavior of farmers, low rate of extension-farmers linkages, inadequate operational skill of aids, language barriers, lack of training, lack of rural electrification, lack of development agents, absence of rural networks, inadequate reading materials, and inappropriate time of broadcasting are the main challenges smallholder farmers were faced with. Therefore, to overcome the challenges strong commitment and reformation should be done in the study area by the concerned stakeholders.

scholarly journals Determinants of Informal Land Renting Decisions by A1 and A2 Farmers in Mashonaland East Province of Zimbabwe

2018 ◽  
Vol 10 (6(J)) ◽  
pp. 70-78
Author(s):  
Simbarashe Tatsvarei ◽  
Abbyssinia Mushunje ◽  
Saul Ngarava ◽  
Clifton Makate
Keyword(s):  
Developing Economies ◽  
Crop Diversification ◽  
Informal Markets ◽  
Welfare Gains ◽  
Factors Affecting ◽  
Multi Stage ◽  
Land Rental ◽  
Rental Markets ◽  
Land Size ◽  
Land Rental Markets

Land rental markets are critical in developing economies as they contribute to efficiency, equity and welfare gains to farmers involved under conditions of low transaction costs. Despite lack of policy consistency in Zimbabwe, A1 and A2 farmers have been involved in these land rental markets, albeit in an informal manner. This study sought to establish the determinants of farmers’ decision to take part in these informal markets. A survey was carried out in Mashonaland East province with a sample of 339 households selected through multi-stage sampling methods and data analysed using a bi-variate Tobit model. Results showed that combined together, the proportion of farmers involved in informal land rental markets are as much as those not participating. Determinants of renting-in were identified as gender, household income, permanent labour, cultivated area, tenure certainty, irrigable land size and crop diversification. Factors affecting renting-out decisions were age, permanent labour, irrigable land size and crop diversification and these results are not in any way different from findings from previous studies. The conclusion was that household characteristics and land endowments factors were strong in decisions to rent-in land while land endowments factors were dominant in decisions to rent-out land. Any future considerations for formalising land rental markets should consider these important factors having a bearing on land rental decisions.

scholarly journals Potato Market Participation and Its Extents Evidence from Southwest Ethiopia: A Double Hurdle Approach

2021 ◽  
Vol 7 (1) ◽  
pp. 53-63
Author(s):  
Abduselam Faris Abadega
Keyword(s):  
Sex Education ◽  
Smallholder Farmers ◽  
Total Sample ◽  
Farm Income ◽  
Market Participation ◽  
Potato Market ◽  
Factors Affecting ◽  
Econometric Methods ◽  
Double Hurdle ◽  
Land Size

Potato is an important commodity for livelihood in many parts of Ethiopia. Potato producers in Ethiopia face sophisticated marketing challenges, including inadequate access to market and low amount of marketed surpluses due to subsistence-oriented production of potato. The study aimed to identify factors that determine the market participation and its extents. About 136 potato producers were selected randomly from peasant association found in Dedo Districts of Ethiopia. Quantitative and qualitative data were collected from primary sources. Descriptive and econometric methods of data analysis were used to analyze data from the survey. A double hurdle model was applied to investigate factors affecting market participation and its extents. Results of descriptive statistics revealed that out of the total sample producer, 87.5 % of sample household has participated in the potato market. Age, sex, education, land size allocated for potato, and non-farm income were significantly influencing potato market participation. Age, sex, education (years of schooling), non-farm income, active labor and land allocated for potato influenced smallholder farmers level of market participation.

scholarly journals Determinants of Informal Land Renting Decisions by A1 and A2 Farmers in Mashonaland East Province of Zimbabwe

2018 ◽  
Vol 10 (6) ◽  
pp. 70 ◽  
Author(s):  
Simbarashe Tatsvarei ◽  
Abbyssinia Mushunje ◽  
Saul Ngarava ◽  
Clifton Makate
Keyword(s):  
Developing Economies ◽  
Crop Diversification ◽  
Informal Markets ◽  
Welfare Gains ◽  
Factors Affecting ◽  
Multi Stage ◽  
Land Rental ◽  
Rental Markets ◽  
Land Size ◽  
Land Rental Markets

Land rental markets are critical in developing economies as they contribute to efficiency, equity and welfare gains to farmers involved under conditions of low transaction costs. Despite lack of policy consistency in Zimbabwe, A1 and A2 farmers have been involved in these land rental markets, albeit in an informal manner. This study sought to establish the determinants of farmers’ decision to take part in these informal markets. A survey was carried out in Mashonaland East province with a sample of 339 households selected through multi-stage sampling methods and data analysed using a bi-variate Tobit model. Results showed that combined together, the proportion of farmers involved in informal land rental markets are as much as those not participating. Determinants of renting-in were identified as gender, household income, permanent labour, cultivated area, tenure certainty, irrigable land size and crop diversification. Factors affecting renting-out decisions were age, permanent labour, irrigable land size and crop diversification and these results are not in any way different from findings from previous studies. The conclusion was that household characteristics and land endowments factors were strong in decisions to rent-in land while land endowments factors were dominant in decisions to rent-out land. Any future considerations for formalising land rental markets should consider these important factors having a bearing on land rental decisions.

Analysis of Single-Vehicle Crash Injury Severities in Urban River-Crossing Road Tunnels

2015 ◽  
Vol 743 ◽  
pp. 526-532 ◽  
Author(s):  
C.M. Jiang ◽  
J.J. Lu ◽  
L.J. Lu
Keyword(s):  
Heavy Vehicles ◽  
Probit Regression ◽  
Factors Affecting ◽  
Explanatory Variables ◽  
Urban Road ◽  
Road Tunnels ◽  
Negative Effect ◽  
Single Vehicle ◽  
Injury Severities ◽  
One Year

Based on the originally unprocessed data from the Official Platform of“110”Alarming Receiving Center (OP110ARC) of Shanghai Public Security Bureau (SPSB), 529 single-vehicle crashes reported during one year and a half which happened at the thirteen urban road tunnels going across the Huangpu River are used in this study. To investigate the factors affecting the crash influence severity levels, ordered probit regression is established. Several categories of factors are considered as explanatory variables in the models. The study finds that the entrance of the tunnels is the site where severe injury crashes trend to occur. Rainy and snowy days impose vehicles and motorists driving via the tunnel sections in danger. Tunnels with a low speed limit (40 km/h in this study) may be not as safe as we thought before. Two-wheel vehicles without sufficient physical protection for its drivers and heavy vehicles also show a negative effect on the operation safety of single-vehicle at these studied tunnels. Alcohol involved drivers are more likely to suffer from a severe crashes and gets badly hurt.

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