scholarly journals Determinants of credit access of cocoa farmers

2019 ◽  
Vol 13 (3-4) ◽  
pp. 73-78
Author(s):  
Nicholas Oppong Mensah ◽  
Edward Yeboah ◽  
Anthony Donkor ◽  
Frank Osei Tutu ◽  
Richard Kaanye Dier
Keyword(s):  
Interest Rate ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Poverty Reduction ◽  
Sampling Procedure ◽  
High Interest Rate ◽  
Credit Access ◽  
Access To Credit ◽  
Coefficient Of Concordance ◽  
Cocoa Farmers

Access to credit is one of the critical areas that are of prime interest to development practitioners, agribusiness entrepreneurs and agricultural economists, mainly access to credit by farmers in order to increase their production and also reduce poverty. This study sought to analyze the determinants of credit access among cocoa farmers in the Asunafo North of the Ahafo Region of Ghana. The multistage sampling procedure was used to collect data from 100 cocoa farmers with the aid of a questionnaire. Sources of credit, factors influencing access to credit, and constraints to credit were analyzed with the aid of descriptive statistics, multiple linear regression, and Kendall’s coefficient of concordance respectively. The results of multiple linear regression revealed that, age, marital status, education, experience, and family size were significant factors that influenced access to credit. The constraints analysis with the aid of Kendall’s coefficient of concordance showed that, high interest rate was highly ranked with a mean score of 1.93 whilst the need for a guarantor was least ranked with a mean score of 7.40. Based on the results, the study recommended that a policy aimed at expanding formal and semi-formal financial institutions credit portfolio to embrace cocoa farmers by finding alternative to collaterals and also reducing the interest rate will improve credit access with a positive externality effect of poverty reduction among cocoa farmers in the study area. JEL Classification: Q14

scholarly journals Determinants of access to credit by cocoa farmers in osun state, nigeria

2020 ◽  
Vol 9 (2) ◽  
pp. 57-61
Author(s):  
JTO Oke ◽  
AD Kehinde ◽  
AJ Akindele
Keyword(s):  
Interest Rate ◽  
Formal Education ◽  
Sampling Procedure ◽  
Study Data ◽  
Farm Size ◽  
High Interest Rate ◽  
Access To Credit ◽  
Positive Effects ◽  
Credit Association ◽  
Cocoa Farmers

This study investigated the determinants of access to credit among cocoa farmers in Osun state, Nigeria. Specifically, the study described the socio-economic characteristics of cocoa farmers in the study area, examined the factors affecting access to credit by cocoa farmers in the study area; and identified the constraints faced by cocoa farmers in credit acquisition. The study was conducted in Osun state, south-western Nigeria. A multi-stage sampling procedure was used for selecting respondents for this study. A total number of 180 farmers were selected for the study. Data were analyzed using Descriptive statistics and logit Regression. The results for the entire respondents showed average values of 46 years for age, 25 years for year of experience, 8 persons for household size, and about 88% of the respondents have formal education. Farm size (p<0.05), income (p<0.05) and years of schooling (p<0.05) show significant and positive effects on access to credit. On the other hand, gender (p<0.05), distance to credit source (p<0.1) and interest rate (p<0.01) are significant but have negative effects on access to credit by cocoa farmers in the study area. Majority (85.6%) of the cocoa farmers acknowledged lack of collateral security as a constraint in credit acquisition, while about 71.1 % acknowledged that high interest rate was a factor hindering credit acquisition. Other factors are acknowledged in the following order: Bureaucratic procedures 60.6%, lack of information about available credit sources 45%, mode of repayment 40%, no credit association 31.1% and non- membership of farmers’-based organization had 23.3%. Following the findings of the study, government, non-governmental agencies and financial institutions should provide cocoa farmers with adequate access to credit facilities and soft loans with low interest and without collateral security. In addition, cocoa farmers should be educated on the acquisition of credit. Int. J. Agril. Res. Innov. Tech. 9(2): 57-61, December 2019

scholarly journals ANALISIS STRATEGI PEMASARAN JASA TERHADAP PENYALURAN KREDIT PADA PT. BANK PERKREDITAN RAKYAT (PT. BPR) TALABUMI PANCUR BATU

2017 ◽  
pp. 56-76
Author(s):  
Roslinda Sagala
Keyword(s):  
Interest Rate ◽  
Linear Regression ◽  
Marketing Strategy ◽  
Multiple Linear Regression ◽  
Service Marketing ◽  
Services Marketing ◽  
High Interest Rate ◽  
Analysis Technique ◽  
Extended Frequency ◽  
The Interest Rate

PT. BPR Stone Talabumi Pancur one banking services company. Outstanding loans in 2010 fell compared to the year 2011. Decrease due to relatively high interest rate loans and a lack of promotional activities. The problem: Is services marketing strategy (pricing and promotion) have a significant efiect on the amount of outstanding loans. Hypothesis: service marketing strategy (pricing and promotion) have a significant eflect on the amount of outstanding loans. The purpose of the study, to determine the ejfizct of the marketing strategy of lending services. Benefits, as input in further research. The study population is a marketing strategy services and the amount of credit supplied by PT. BPR Talabumi Pancur Stone began to stand up to this research. The samples taken from the year 2001 - 2005 (per semester). Data collection techniques used in this study is the documentation. Analysis technique used is multiple linear regression to determine the eflect of service marketing strategy (pricing and promotion) of lending. Based on the results if the discussion was concluded that multiple linear regression equation obtained was Y = 334,146,977.205 to 28,065,996.867 14.628 X1 + X2. This means that services marketing strategy (pricing and promotion) have an influence on lending to the PT. BPR Pancur Talabumi Stone, this can be seen on the regression coeflicients. Determinant of the coeflicient of 0.965, meaning that credit can be explained by service marketing strategy (pricing and promotion) of 96.5% while 3.5% more explained by other factors. Based on the results obtained by analysis of F-count = 95.899> F-table 4.74, so H0 is rejected and H1 accepted. This means that services marketing strategy (pricing and promotion) have a significant qfect on the number of simultaneous outstanding loans to the PT. BPR Pancur Talabumi Stone, can be accepted at a significance level of 5%. Iudgingfrom the results of the t test, concluded that service marketing strategy (pricing and promotion) have a significant ejffiact of partial‘ to total outstanding loans at PT. BPR Pancur Talabumi Stone, can be accepted at a significance level of 5 %. Judging from the regression coeflicient is known that the price (interest rate) to give a greater contiibution than the promotion of outstanding loans. Promotional activities conducted by PT. BPR Talabumi Pancur Batu less intense, so that outstanding loans fell in 2005. The advice given to the leadership of PT. BPR Talabumi Pancur Stone is to increase the number of loans extended frequency should be increased promotional activities by advertising in mass media and electronic. Preferably, the head of the bank lowers the interest rate of credit to increase the amount of outstanding loans.

scholarly journals Analisis Faktor-Faktor yang Mempengaruhi Jumlah Deposito Mudharabah pada Bank Syariah Mandiri yang Terdaftar di Bank Indonesia Periode 2010-2014

2019 ◽  
Vol 3 (2) ◽  
pp. 104-113
Author(s):  
Imam Abrori ◽  
Siti Khobsoh
Keyword(s):  
Interest Rate ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Significant Influence ◽  
Secondary Data ◽  
Financial Statements ◽  
Islamic Banks ◽  
Significance Level

This study aims to identify and explain how the effect Inflation, Interest Rate Deposit, and Finance to Deposit Ratio Total Mudharabah deposits in Islamic banks. The method used is multiple linear regression. The object of research used in this research is PT. Bank Syariah Mandiri using secondary data from the publication of monthly financial statements starting from 2010-2014. The results showed that: The rate of inflation has a negative and significant effect on the amount of deposits Mudharabah. Furthermore, other results showed that the rate of interest did not affect positively and significantly to Total Deposit Mudharabah. While the results of Finance to Deposit Ratio has a positive and significant influence on the amount of deposits Mudharabah. The test is performed with a significance level of α = 0.1.

scholarly journals ANALISIS INVESTASI ASING LANGSUNG (FDI) DI NEGARA ASEAN TAHUN 2000-2017

2019 ◽  
Vol 3 (3) ◽  
pp. 397-409
Author(s):  
Futuhatul Barorah ◽  
Nazaruddin Malik ◽  
Zainal Arifin
Keyword(s):  
Foreign Direct Investment ◽  
Panel Data ◽  
Interest Rate ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Direct Investment ◽  
Trade Openness ◽  
Analytical Tool ◽  
Gdp Growth ◽  
Testing Hypotheses

The aim of this research is nalyze foreign direct investment (FDI) from 2000 to 2017. The analytical tool used was multiple linear regression with panel data method by testing hypotheses namely F test, t-test, and Determination Coefficient R2. The software used in the analysis of this study was Eviews 9. The finding of the study denotes that all of influence of GDP growth, Trade Openness, Interest Rate and Inflation gave influence toward on Foreign Direct Invesment with a probability value of 0,0000. While individually, The country of Myanmar has the highest intercept inversely proportional to Malaysia which has the smallest intercept. While individually GDP growth and Trade Openness has a positive and significant effect on Foreugn Direct Invesment, Interest Rate and inflation has a negative and significant effect on Forign Direct Invesment.

scholarly journals Pengaruh Nilai Tukar (Kurs), Inflasi dan Tingkat Suku Bunga Tabungan terhadap Volume Tabungan Masyarakat pada Bank Umum Pemerintah di Indonesia (Periode 2013-2017)

2020 ◽  
Vol 3 (1) ◽  
pp. 29-37
Author(s):  
Ni Kadek Rita Yanti ◽  
A. A. Ketut Jayawarsa ◽  
I Gde Agung Wira Pertama
Keyword(s):  
Regression Analysis ◽  
Exchange Rate ◽  
Interest Rate ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
T Test ◽  
F Test

This study entitled The Effect of Exchange Rate (Exchange), Inflation, and Interest Rates on Savings Against the Volume of Public Savings in Government Commercial Banks in Indonesia for the period 2013-2017. The formulation of the problem: How the Effect of Exchange Rate (Exchange), Inflation, and Interest Rate Savings Against the Volume of Public Savings at Government Commercial Banks in Indonesia Period 2013-2017 simultaneously and partially. The purpose of this study are: To analyze the effect of Exchange Rate (Exchange ), Inflation, and Interest Rate Savings Against the Volume of Public Savings in Government Commercial Banks in Indonesia Period 2013-2017 simultaneously and partially. This research was conducted at the Government Commercial Bank through the website www.bi.go.id and www.ojk.go.id. The analytical tool used is Multiple Linear Regression Analysis, F Test (F-test), and t Test (t-test), before multiple linear regression analysis is carried out descriptive analysis of data and Classical Assumption Test, Results obtained from regression multiple linear is Y = 13,069 + 0,591 X1 + 0,040 X2 + 0,843 X3.

ANALISIS PENGARUH INFLASI DAN SUKU BUNGA TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA TAHUN 2005 – 2015

2016 ◽  
Vol 4 (2) ◽  
Author(s):  
Siwi Indriyani
Keyword(s):  
Economic Growth ◽  
Interest Rate ◽  
Linear Regression ◽  
Multiple Linear Regression ◽  
Secondary Data ◽  
Research Results

The research studied to determine the effect of The Inflation, and Interest Rate to Indonesia’s Economic Growth In Indonesia’s The Period 2005 – 2015. The data that used in this research is secondary data namely The Inflation, and Interest Rate which devired from the website of bank Indonesia and Badan Pusat Statistik (BPS). The method used is multiple linear regression. The regression of research results show that simultaneoust the inflation and Interest Rate does significant effect to Indonesia’s economic growth in the year 2005 – 2015.

scholarly journals INSTITUTIONS, PRODUCTION AND MARKETING OF MAIZE IN ZIMBABWE. CASE OF MARONDERA DISTRICT OF MASHONALAND EAST PROVINCE A TWO STAGE MODEL

2021 ◽  
Vol 2 (2) ◽  
pp. 73-80
Author(s):  
Never Mafuse ◽  
Mushunje Abbysinia ◽  
Emmanuel Zivenge
Keyword(s):  
Technical Efficiency ◽  
Production Efficiency ◽  
Institutional Environment ◽  
Sampling Procedure ◽  
Maize Production ◽  
Credit Access ◽  
Access To Credit ◽  
Production Stage ◽  
Marketing Efficiency ◽  
The Government

This study evaluated the influence of institutions on production and marketing efficiency of A1 maize resettled farmers in Marondera district. Data Envelopment Analysis was used to determine the efficiency scores of farmers while Tobit model was used to determine institutional factors influencing technical efficiency for both production and marketing. A multistage sampling procedure was used to select 343 farmers from Marondera District. Results showed that, farmers are technically, allocatively and economically inefficient for both production and marketing stages. Farmers are performing better at production stage than at marketing technically while there is better allocative and economic efficiency at marketing stage. Formal maize markets are more efficient than informal markets. Results for determinants of technical efficiency at production stage showed that, cattle ownership, farming experience, access to credit and social capital significantly influence maize production efficiency while access to credit, access to market, distance to market and road condition influences marketing efficiency. It can be therefore, recommended to the government of Zimbabwe to improve the institutional environment and arrangement in terms of provision of better roads, access to credit, access to markets so as to improve both production and marketing efficiency. Farmers are also recommended to join or form famer organisations as this will assist in improving both production and marketing efficiency.

scholarly journals Analysis of Determinants of Access to Credit for Cotton Producers in Mali

2020 ◽  
pp. 44-59
Author(s):  
Touré Lassana ◽  
Diop Ibrahima Thione
Keyword(s):  
Interest Rate ◽  
Logit Model ◽  
Positive Influence ◽  
Sampling Procedure ◽  
Primary Data ◽  
Good Prediction ◽  
Test Statistic ◽  
Access To Credit ◽  
Farm Credit ◽  
Insurance Mechanism

This research analyzed the determinants of cotton producers’ access to credit for in the areas of the Malian Textile Development Company (CMDT). Primary data collection was carried out using questionnaires submitted to 400 producers through multistage stratified sampling procedure (zones and types of farms constituting the strata). The data were analyzed using descriptive statistics and logit model. The values measuring the overall significance of the model are of the order of: Wald's test statistic chi2 = 68.98, Area under the ROC curve = 0.68 and Model good prediction rate = 71.03%. The binomial logit model showed that the significant variables (at the 15% level) affecting cotton producers’ access to credit are age, marital status, level of education, income, interest rate, existence of material collateral and type of farm. It is therefore recommended that the financial institutions, CMDT and the Producers' Cooperatives be enhanced working together for an interest rate set at levels that take into account the sustainability of the credit institutions and managing communication around a fixed interest rate in order to avoid confusion for employees and cotton producers; making less restrictive the conditions for cotton producers to obtain credit for, so that those who do not have access can benefit from credit; revitalizing producers’ training level to enable better management of farm credit by the beneficiaries; setting up an insurance mechanism for cotton producers to cover unpaid debts due to natural climatic hazards and encouraging the population to grow cotton since the increase in active members on the farm has a positive influence on the chances of having access to credit.

scholarly journals Interest Rate Liberalization and Capital Misallocations

2021 ◽  
Vol 13 (2) ◽  
pp. 373-419
Author(s):  
Zheng Liu ◽  
Pengfei Wang ◽  
Zhiwei Xu
Keyword(s):  
Interest Rate ◽  
Equilibrium Model ◽  
Private Firms ◽  
Aggregate Productivity ◽  
System State ◽  
Policy Reforms ◽  
Credit Access ◽  
Access To Credit ◽  
Interest Rate Liberalization ◽  
Liberalization Policy

We study the consequences of interest rate liberalization in a two-sector general equilibrium model of China. The model captures a key feature of China’s distorted financial system: state-owned enterprises (SOEs) have greater incentive to expand production and easier access to credit than private firms. In this second-best environment, interest rate liberalization can improve capital allocations within each sector but can also exacerbate misallocations across sectors. Under calibrated parameters, the liberalization policy can reduce aggregate productivity and welfare unless other policy reforms are also implemented to alleviate SOEs’ distorted incentives or improve private firms’ credit access. (JEL E43, E44, G32, L32, P24, P31, P34)

scholarly journals Pengaruh Variabel Makro Ekonomi Terhadap Indeks Jakarta Islamic Index (JII) Periode Januari 2010 Hingga November 2015

2017 ◽  
Vol 3 (1) ◽  
pp. 70
Author(s):  
Ayu Tri Utami ◽  
Leo Herlambang
Keyword(s):  
Exchange Rate ◽  
Interest Rate ◽  
Linear Regression ◽  
Interest Rates ◽  
Multiple Linear Regression ◽  
Independent Variables ◽  
Negative Effect ◽  
Study Population ◽  
Positive Effect ◽  
Science Governance

The study aimed to know whether there were influences of inflation, interest rate, and exchange rate on the Jakarta Islamic Index (JII). The study population were factors which influenced the Jakarta Islamic Index. The sample were those factors in the period of January 2010- November 2015. Multiple linear regression was used for the analysis. The analysis showed that inflation had a negative effect on Jakarta Islamic Index (JII) index, interest rates had a positive effect on Jakarta Islamic Index (JII) index, and the exchange rate had a positive effect on Jakarta Islamic Index (JII) index. All independent variables simultaneously had an effect on the Jakarta Islamic Index (JII) index. This study was expected to add insightsto science, governance and other fields.

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