Access to Credit by Vegetable Farmers in Nigeria: A Case Study of Owerri Agricultural Zone of Imo State, Nigeria

2015 ◽  
Vol 9 (4) ◽  
pp. 155-165 ◽  
Author(s):  
F.U. Agbo ◽  
I.I. Iroh ◽  
E.J. Ihemezie
Keyword(s):  
Access To Credit ◽  
Imo State ◽  
Vegetable Farmers

The Role of Mobile Money in Moderating Financial Exclusion: A Tanzanian Experience

2020 ◽  
Vol 2 ◽  
pp. 1-24 ◽  
Author(s):  
Deogratius Joseph Mhella
Keyword(s):  
Developing Countries ◽  
Financial Institutions ◽  
Banking Sector ◽  
Research Question ◽  
Microfinance Institutions ◽  
Mobile Money ◽  
Access To Credit ◽  
Financial Exclusion

Prior to the advent of mobile money, the banking sector in most of the developing countries excluded certain segments of the population. The excluded populations were deemed as a risk to the banking sector. The banking sector did not work with cash stripped and the financially disenfranchised people. Financial exclusion persisted to incredibly higher levels. Those excluded did not have: bank accounts, savings in financial institutions, access to credit, loan and insurance services. The advent of mobile money moderated the very factors of financial exclusion that the banks failed to resolve. This paper explains how mobile money moderates the factors of financial exclusion that the banks and microfinance institutions have always failed to moderate. The paper seeks to answer the following research question: 'How has mobile money moderated the factors of financial exclusion that other financial institutions failed to resolve between 1960 and 2008? Tanzania has been chosen as a case study to show how mobile has succeeded in moderating financial exclusion in the period after 2008.

scholarly journals Getting a Foot in the Door: Small-Firm Credit and Interest Group Politics in the Netherlands, 1900–1927

2020 ◽  
pp. 1-37
Author(s):  
RUBEN PEETERS
Keyword(s):  
Small Firm ◽  
Small Firms ◽  
Power Structures ◽  
Access To Credit ◽  
Financial Infrastructure ◽  
History Of ◽  
Interest Group Politics ◽  
Group Politics ◽  
The Government

This article explores the link between the history of small-firm associations and the development of Dutch financial infrastructure geared toward small firms. In particular, it tests Verdier’s thesis about the origins of state banking using an in-depth case study of the Dutch small-firm movement. This article shows that Dutch small-firm associations did not simply became politically relevant and use their power to lobby for state banking, but rather used the topic of insufficient access to credit to rally support, mobilize members, and obtain subsidies from the government. During this associational process, they had to navigate local contexts and power structures that, in turn, also shaped the financial system. State banking was initially not demanded by small firms, but arose as the result of failed experiments with subsidized banking infrastructure and a changing position of the government on how to intervene in the economy.

scholarly journals MANFAAT KETERLIBATAN PETANI DALAM POLA KEMITRAAN AGRIBISNIS SAYURAN DI JAWA BARAT

2008 ◽  
Vol 4 (2) ◽  
Author(s):  
Ninuk Purnaningsih ◽  
Basita G. Sugihen
Keyword(s):  
Pesticide Use ◽  
Small Farmers ◽  
Case Study Method ◽  
Unit Of Analysis ◽  
Collective Case Study ◽  
Vegetable Farmers ◽  
Use Of Technology ◽  
Intensive Use

The main problems for vegetable farmers are low technology and intensive use of pesticide, therefore farmers cannot produce vegetables with good quality continually. By applying agribusiness partnership it is expected the farmers would be able to overcome the limitation of technology and capital for small farmers attainment a good quality of vegetables, and problem of marketing. This study was aimed to analyze benefit involvement of farmers in agribusiness partnership. Collective case study method was used in five agribusiness companies and one co-operation which applying partnership of agribusiness in West Java: i.e. Bogor, Cianjur, Bandung, and Garut. The population are farmers around company and co-operation, the unit of analysis is farmers household counted of the 285 farmers. Involvement of farmers in partnership has effect on the improvement of farmers income, the use of technology (production and handling), appropriate pesticide use use, labor absorption, and capital usage. Involvement of farmers in partnership also has effect on continuity of farmers business.

The Effects on Capital Market Development

Capital Women ◽  
2019 ◽  
pp. 93-124
Author(s):  
Jan Luiten
Keyword(s):  
Property Rights ◽  
Interest Rates ◽  
Capital Markets ◽  
State Agencies ◽  
Private Capital ◽  
Financial Assets ◽  
Late Medieval ◽  
Access To Credit ◽  
Late Medieval Period

In this chapter, the authors analyze the functioning of private capital markets in Holland in the late medieval period. They argue that in the absence of banks and state agencies involved in the supply of credit, entrepreneurs' access to credit was determined by two interrelated factors. The first was protection of property rights and the extent to which properties could be used as collateral. The second was interest rates for borrowing money at the time, as well as the obligations of such borrowing compared with the interest rates on risk-free investments. The chapter’s case study is the small town of Edam and its surrounding countryside, De Zeevang, during the fifteenth and sixteenth centuries. The authors show that many households (whether headed by men or women) owned financial assets and/or debts, and the degree of financial sophistication was relatively high.

scholarly journals Bottlenecks to Financial Development, Financial Inclusion, and Microfinance: A Case Study of Mauritania

2020 ◽  
Vol 13 (10) ◽  
pp. 239
Author(s):  
Mohamedou Bouasria ◽  
Arvind Ashta ◽  
Zaka Ratsimalahelo
Keyword(s):  
Financial Development ◽  
Financial Services ◽  
Secondary Data ◽  
Financial Inclusion ◽  
Access To Credit ◽  
Expert Interview ◽  
Public Sector Employees ◽  
Components Analysis ◽  
Country People

The objective of the study was to enhance our knowledge on institutional bottlenecks for financial development, financial inclusion, and microfinance, using Mauritania as a case study. We used a mixed-methods’ methodology that combines analysis of secondary data and an expert interview. First, a logit model with dummy independent variables was used to investigate the factors that impact the households’ access to credit, the main advantage of this model being to avoid confounding effects by analyzing the association of all variables together. Our study found that access to financial services is equal in Mauritania between men and women, but that access to credit is higher for public sector employees, educated people, and households with smaller families. Second, using principal components’ analysis, we found that the different regions of Mauritania can be divided based on unemployment, income, literacy, financial inclusion, and population density into two main dimensions, yielding four quadrants: Attractive, industrious, moderate, and resource cursed. We expected that sparsely populated countries would have less access to credit. Counterintuitively, we found that within a low-density country, people in the lowest-density regions have higher odds of getting credit. Third, based on an interview with an expert, we noted the key challenges that microfinance is facing in Mauritania and provided recommendations to overcome these. As in most case studies, external validity was limited.

Banks, Credit Markets, and Early American Development: A Case Study of Entry and Competition

2008 ◽  
Vol 68 (2) ◽  
pp. 438-461 ◽  
Author(s):  
TA-CHEN WANG
Keyword(s):  
New England ◽  
Early Stage ◽  
Economic Transformation ◽  
Extensive Literature ◽  
Access To Credit ◽  
Personal Credit ◽  
Early American ◽  
Precise Role

New England experienced a significant economic transformation after the Revolutionary War. Despite an extensive literature on American development, little is known about the precise role of banks in this process. This article exploits a detailed dataset from Plymouth County, Massachusetts to show that the first bank during its early stage was far more selective in lending than the pre-existing personal credit market. Thus the mere introduction of a single bank did not broaden access to credit. Following the liberalization of chartering policy in the 1820s, however, freer entry and competition drove banks to extend credit to farmers and artisans.

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