scholarly journals Credit Constraint and Rural Household Welfare in the Mezam Division of the North-West Region of Cameroon

2021 ◽  
Vol 13 (11) ◽  
pp. 5964
Author(s):  
Louis Atamja ◽  
Sungjoon Yoo
Keyword(s):  
Regression Model ◽  
Rural Household ◽  
Household Welfare ◽  
Switching Regression ◽  
Probit Regression ◽  
Credit Constraint ◽  
Endogenous Switching Regression ◽  
North West ◽  
The North ◽  
West Region

The purpose of this study is to examine the effect of the rural household’s head and household characteristics on credit accessibility. This study also seeks to investigate how credit constraint affects rural household welfare in the Mezam division of the North-West region of Cameroon. Using data from a household survey questionnaire, we found that 36.88% of the households were credit-constrained, while 63.13% were unconstrained. A probit regression model was used to examine the determinants of households’ credit access, while an endogenous switching regression model was used to analyze the impact of credit constraint on household welfare. The results from the probit regression model indicate the importance of the farmer’s or trader’s organization membership, occupation, and savings to the household’s likelihood of being credit-constrained. On the other hand, a prediction from the endogenous switching regression model confirms that households with access to credit have a better standard of welfare than a constrained household. From the results, it is necessary for the government to subsidize microfinance institutions, so that they can take on the risk of offering credit to rural households.

scholarly journals Rural Credit Constraint and Informal Rural Credit Accessibility in China

2019 ◽  
Vol 11 (7) ◽  
pp. 1935 ◽  
Author(s):  
Liqiong Lin ◽  
Weizhuo Wang ◽  
Christopher Gan ◽  
David A. Cohen ◽  
Quang T.T Nguyen
Keyword(s):  
Regression Model ◽  
Rural China ◽  
Rural Households ◽  
Switching Regression ◽  
Probit Regression ◽  
Credit Constraint ◽  
Endogenous Switching Regression ◽  
Rural Credit ◽  
Endogenous Switching ◽  
The Impact

This paper investigates the effects of rural households’ demographic characteristics on formal credit constraint, and explores the relationship between informal and formal lending in rural China. Using 2013 China’s Household Finance survey data, the authors apply probit regression models to investigate the effects of demographic factors on formal credit constraint and the household’s decision to borrow from informal credit sources. In addition, the endogenous switching regression model is applied to evaluate the impact of credit constraint on the welfare of rural farm households. The empirical evidence confirms that age, family size, annual household nonagricultural income, level of education, and history of informal borrowing have significant influence over credit constraint. Moreover, annual household nonagricultural income, the presence of children, borrowing from social networks and monthly communication expenses significantly impact rural households’ decision to utilise informal borrowing. Results from the endogenous switching regression model suggest that credit constraint by formal credit sources has no impact on household consumption.

scholarly journals Do formal credit constraints affect the rural household consumption in China?

2014 ◽  
Vol 60 (No. 10) ◽  
pp. 458-468
Author(s):  
J. Zhao ◽  
J. Zhang ◽  
P.J. Barry
Keyword(s):  
Regression Model ◽  
Financial Institutions ◽  
Credit Constraints ◽  
Household Consumption ◽  
Rural Household ◽  
Crowding Out ◽  
Switching Regression ◽  
Rural Finance ◽  
Credit Constraint ◽  
Consumption Survey

The article investigates the consequences of credit constraints on rural household consumption in China. Based on a unique rural finance and consumption survey, the authors first identify the credit constraint status of rural households from formal financial institutions. Then, they apply an endogenous switching regression model to compare the consumption responses to household production inputs for credit constrained and non-constrained households. The estimation results reveal that the credit constraint could result in the crowding out effect of the aggregate household consumption from its production inputs. Nonetheless, similar to the non-constrained households, the credit constraint households are capable of smoothing their necessary consumption.  

An Empirical Study of Human Trafficking Law in Cameroon: Victims Rarely Seek Justice and Traffickers Are Not Held Liable

2017 ◽  
Vol 25 (3) ◽  
pp. 430-441
Author(s):  
Monique Aziza
Keyword(s):  
Empirical Study ◽  
Primary School ◽  
Human Trafficking ◽  
Government Officials ◽  
North West ◽  
The North ◽  
West Region ◽  
Arduous Task ◽  
Adults And Children

This article argues that the number of unprosecuted human traffickers is growing in Cameroon. This article aims to examine Cameroonian government officials, prosecutors and judiciary attitudes to human trafficking laws, which endanger Cameroonians. This article is an empirical study of victims of human trafficking. It takes an objective look at Cameroon's anti-trafficking law that criminalises the trafficking of adults and children. It is evident that societal discrimination towards the North West region, lack of opportunities for free education or to a trade post-primary school and the lack of enforcement of the anti-trafficking law are making combating human trafficking an arduous task.

PARTY POLITICS AND INTRA-ETHNIC CONFLICTS IN THE NKAMBE CENTRAL SUBDIVISION OF CAMEROON IN THE 2013 LEGISLATIVE ELECTION

2021 ◽  
Vol 9 (1) ◽  
pp. 199-213
Author(s):  
Ransom Tanyu Ngenge
Keyword(s):  
Party Politics ◽  
Ethnic Relations ◽  
Local Elections ◽  
Ethnic Conflicts ◽  
North West ◽  
The North ◽  
West Region ◽  
Good Number ◽  
Western Democracies ◽  
Legislative Election

Political deception is inherently ‘conflictual’ not only in the Western Democracies but also and even more so in Africa. Conflicts of political nature have often resulted from national and local elections in Africa and Cameroon. Prominently, such conflicts sometimes take an ethnic twist with far-reaching consequences. From this background, this article investigates into the forms and nature of intra-ethnic conflicts in the Nkambe Central Subdivision of Cameroon during the 2013 legislative election. With a combination of interviews and personal observations, including a good number of secondary/tertiary source-material, the article which is analyzed in thematic synthesis reveals that during the 2013 legislative election in the Nkambe Central Subdivision of the North West region of Cameroon, conflicts of clan-based, family and age-set nature emanated with far-reaching consequences on ethnic relations and development.

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