scholarly journals Access to Credit and Constraint Analysis: The Case of Smallholder Rice Farmers in Ghana

2016 ◽  
Vol 4 (2) ◽  
pp. 53 ◽  
Author(s):  
Elisha Kwaku Denkyirah ◽  
Ahmed Abdul Aziz ◽  
Elijah Kofi Denkyirah ◽  
Ofori Obeng Nketiah ◽  
Elvis Dartey Okoffo

The study assessed rice farmers’ access to credit and constraints in rice production in the Tolon District of Ghana. A total of 140 rice farmers were sampled for the study using multi-stage sampling technique. The probit model was used to estimate the factors that affected rice farmers’ access to credit. The Kendall’s coefficient of concordance was used to assess the constraints in rice production. The results of the study revealed that majority of the rice farmers accessed credit from family and friends and invested the credit into non-agricultural activities. The probit result revealed that age, marital status, member of farmer based organization, extension visit, record keeping and farm income were the significant variables that influenced rice farmers’ access to credit. The results also revealed that high cost of inputs and pest were the most pressing institutional and technical constraints in rice production, respectively. The study recommends that credit should be converted to physical inputs and other services and delivered to farmers to help minimize credit diversion from the farm sector. Rice farmers should be encouraged to form farmer groups and keep records of farming activities considering the fact that it positively influenced farmers’ access to credit. Subsidies should be provided on farm inputs. Effective ways of eliminating pest on rice fields should be developed since it was a major challenge facing the rice farmers in their production.

2021 ◽  
Vol 1 (1) ◽  
pp. 1-9
Author(s):  
Sanusi Saheed Olakunle ◽  
Alabi Olugbenga Omotayo ◽  
Ebukiba Elizabeth Samuel

This study examined the resource-use efficiency of smallholder rice production farmers in Federal Capital Territory, Nigeria. The problem of resource use among small-scale rice production farmers is preponderance in the country. Hence, the study investigated the drivers of the problem in the Federal Capital Territory of Nigeria. Specifically, the study was designed to determine the factors influencing the resource-use efficiency of the respondents. A multi-stage sampling technique was used to select a total sample size of one hundred and seventy-five (175) rice farmers in Federal Capital Territory, Nigeria. Seven estimators such as age, household size, farming experience, educational level, extension services, access to credit, and off-farm income in the Probit model were found statistically significant. Results show that the probability of resource use efficiency of inputs used by the farmers increases with age, farm size, household size, educational level, extension services, experiences in farming, access to credits, but decreases where they have off-farm income. Mc Fadden Pseudo-R2 gives 0.6772, and the Probit model explains a significant proportion of the variations in smallholder farmers' resource use. The study concluded that the socio-economic variables in the model play an important role in influencing resource use efficiency. The study recommends that government agencies and donors should provide simplified, accessible and obtainable credits and grants to existing and prospective rice farmers in order to sustain the current giant stride in rice production in the country.


2020 ◽  
Vol 1 (4) ◽  
pp. 20-30
Author(s):  
Nsikak-Abasi Etim ◽  
Nyaudoh Ndaeyo

The rise in population amidst climate change has exerted undue pressure on food production and security. Rice production has also been adversely affected by rising temperature and varying rainfall resulting in reduced productivity. In order to cope with the negative impact of climate change events on rice production, farmers need strengthen and improve their adaptive capacity. Therefore, a study was conducted to empirically estimate the factors affecting the adoption of Climate Smart Agricultural ( CSA) practices in rice production. Multistage sampling procedure was employed to select the representative rice farmers for the study. With the aid of oral interview and questionnaires, information were elicited from 90 farmers. Data were analyzed using descriptive statistical tools and univariate probit model. Results revealed that majority ( 62.5 percent) of rice farmers were women, 75 percent were married, 67.5 percent were within economically active age and 85 percent had post primary education. Findings further showed that education level of farmers, family size, farm income and access to information on climate change were positively and directly related to rice farmers willingness to adopt climate smart agricultural practices at 1 percent and 5 percent levels of significance respectively. Result also showed that about 55.85 percent of rice farmers in the study location received information on climate change from village meetings, friends, relatives and other farmers. Agricultural policies that aimed at increasing incomes of rice farmers and creating awareness on climate change will be rational decision.


Author(s):  
Olugbenga Omotayo Alabi ◽  
Ayoola Olugbenga Oladele ◽  
Mohammed Bello Usman

This study focuses on determinants of the agricultural loan decision-making process of rice (Oryza sativa) farmers in Abuja, Nigeria, using the Heckman two-stage model and factor analysis. This study was designed specifically to achieve the following objectives: determine the socio-economic profiles or characteristics of rice farmers, analyze the costs and returns of rice production, evaluate factors influencing rice farmers’ decision to obtain an agricultural loan, evaluate socio-economic factors influencing the amount of the agricultural loan, and determine the constraints or problems facing rice farmers. A multi-stage sampling design was employed. A total sample of one hundred (100) rice farmers was included, and primary data were utilized. Data were obtained through the use of a well-structured and well-designed questionnaire. Statistical and econometric tools used in analyzing data included descriptive statistics, gross margin analysis, financial analysis, the Heckman two-stage model, and principal component analysis. The results show that 63% of rice farmers were between the age of 31–50 years. The mean age was 41.90 years. About 65% of rice farmers were male, and 54% of them were married. Also, 93% of rice farmers had formal education and were literate. The household sizes were large, with an average of six persons per household. An average of 71,550 nairas was the loan amount granted to rice farmers by financial institutions. The average farm size amounted to 1.49 hectares. Factors influencing the decision of rice farmers to obtain agricultural loan included age (P < 0.01), marital status (P < 0.05), household size (P < 0.10), educational level (P < 0.05), farm size (P < 0.05), farm and non-farm income (P < 0.10), farm experience (P < 0.05), collateral property (P < 0.05), extension services (P < 0.10), and awareness of loan or credit facilities (P < 0.05). Rice production was profitable with a net farm income of 744,300 nairas. The gross margin ratio of 0.95 means that 95 kobos covered profits, taxes, expenses, interest, and depreciation for every naira invested in rice production activities. Socio-economic factors statistically and significantly influencing the amount of agricultural loan obtained by rice farmers included (P < 0.05) sex (P < 0.01), household size (P < 0.05) and educational level (P < 0.01). The constraints facing rice farmers in obtaining the agricultural loan and production activities included lack of collateral property, lack of fertilizer input, poor-quality feeder roads, lack of credit facilities, inadequate labor input, and complicated and costly administrative procedures to obtain a loan. It is recommended that agricultural loans be made available to rice farmers in sufficient amounts and at low-interest rates. Also, farm inputs, fertilizer inputs, improved seeds, and chemicals should be made available to rice farmers


2016 ◽  
Vol 1 (1) ◽  
pp. 299-304
Author(s):  
Afrinawati Afrinawati ◽  
Mustafa Usman ◽  
Akhmad Baihaqi

ABSTRAK  - Tujuan penelitian ini adalah bagaimana efektivitas penyuluhan pertanian terhadap pendapatan usahatani padi sawah di Kecamatan Indrapuri Kabupaten Aceh Besar. Penelitian ini dilakukan di Kecamatan Indrapuri Kabupaten Aceh Besar. Objek penelitian ini adalah petani padi sawah yang tergabung dalam kelompok tani di Wilayah Kerja Balai Penyuluhan Pertanian (WK-BPP) Indrapuri. Ruang lingkup penelitian ini terbatas pada efektivitas penyuluhan pertanian terhadap pendapatan usahatani padi sawah di Kecamatan Indrapuri Kabupaten Aceh Besar. Besarnya sampel penelitian 52 dengan metode analisis deskriptif dan efektivitas penyuluhan. Hasil penelitian menunjukkan bahwa efektivitas penyuluhan pertanian pada usahatani padi sawah di Kecamatan Indrapuri Kabupaten Aceh Besar sebesar 94,8% dari sebelum adanya kegiatan penyuluhan sebesar 72,9%. Dimana artinya ada juga peningkatan pendapatan di tingkat petani dari sebelumnya hanya Rp.20.194.705 per Ha per MT telah mampu meningkat menjadi Rp.30.046.062 per Ha per MT.Kata Kunci :   Efektivitas, Penyuluhan,  Pendapata, Usahatani ABSTRACT - The purpose of this study is how the effectiveness of agricultural extension on farm income Indrapuri of paddy in the district of Aceh Besar district. This research was conducted in the district of Aceh Besar district Indrapuri. The object of this research is the paddy rice farmers who are members of farmers' groups in the Work Area of the Agricultural Extension Center (WK-BPP) Indrapuri. The scope of this study is limited to the effectiveness of agricultural extension services to farm income Indrapuri of paddy in the district of Aceh Besar district. The amount of sample 52 with descriptive analysis and the effectiveness of counseling. The results showed that the effectiveness of agricultural extension on paddy rice farming in the district of Aceh Besar district Indrapuri of 94.8% on the prior existence of extension activities by 72,9%. Which means there is also an increase in the income level of farmers from previously only Rp.20.194.705 per ha per MT has been able to increase to Rp.30.046.062 per ha per MT.Keywords: Effectiveness, Education, Income, Farming


2018 ◽  
Vol 3 (01) ◽  
pp. 54-56
Author(s):  
Maya Kumari

The study was conducted in Sahibganj district of Jharkhand. There are 9 blocks in Sahibganj district. Five blocks are selected for study, namely Sahibganj, Rajmahal, Barharwa, Taljhari and Udhwa. All these block cultivated paddy as a main crop. Using simple random sampling technique, twenty five farmers were selected from each of the five selected villages from each block, making total 125 respondents for the study. The study has clearly brought out that the major constraints perceived by farmers were technical constraints related to non availability of inputs at time, financial constraints related to high cost of inputs, and extension constraints related to lack of training on new production technology of paddy. In order to improve rice production and overcome the perceived constraints, rice growers suggested the construction and regular maintenance of adequate rice farming infrastructure, particularly those related to irrigation and drainage, improvement of extension system through training, demonstration, information through different channels), availability of inputs at reasonable price and the provision of crop insurance.


Author(s):  
Ogah, Odey Moses ◽  
Eyah, Jennifer Ongbele ◽  
Iorlamen, Torkwase Rhoda

The study was carried out to analyzed rice production and poverty reduction in Agatu local government area of Benue state, Nigeria. To this end, a multi-stage sampling technique was used. The first stage involved the purposive selection of five wards noted for high production of rice. Secondly, a simple random sampling was used to select twenty five respondents each from the five wards to sum up to one hundred and twenty five respondents used for the study. The analytical tools employed included simple descriptive statistics like mean, frequency distribution, percentages and tables and inferential statistics like logit regression model. The data used were from primary source and this was collected by administering of structured questionnaires to illicit information from the farmers. The results of the analysis revealed farmers to be in their active age, mostly married, males’ dominance, highly experienced and educated with large families. Annual income from rice production was significant in reducing poverty in the study area pseudo R2 value of 0.886. The overall Chi-Square value was significant at 1% level of probability, also log likelihood value of 135.27. The study recommends the need for credit to be extended to poor farmers to help stimulate their investment in order to increase their income.  Farmers are also encouraged to engage in non-farm activities to raise their level of income.


2021 ◽  
Vol 2 (4) ◽  
pp. 28-36
Author(s):  
Nsikak-Abasi A. Etim ◽  
Samuel P. Udolnyang ◽  
Elizabeth S. Ebukiba ◽  
Edet J. Udoh

Farmer organizations are effective mechanisms for increasing agricultural production, darners income and reducing poverty. Regrettably, farmers have not taken advantage of the lofty benefits accruable to those who voluntarily join these organizations. The study estimated the factors influencing households decision to participate in cooperative organizations and also tested the level of agreement among identified constraints linked with participation. Multistage sampling procedure was employed to select 120 farmers for the study. Primary data  were obtained using questionnaires. Data were analyzed using Probit model and Kendall’s coefficient of concordance. Results of analyses revealed that the mean age, years of educational attainment  household size and years of farming experience were 32, 15, 5 and 7 respectively. Result of probit analysis further indicate that age of the farmer, farm income, household size, participation in meeting, major decision maker, distance of farm to the nearest road and farmers social status were the most critical factors influencing households decision to participate in cooperative organizations. Result of Kendall’s coefficient of concordance revealed that there was 0.42 (moderate agreement) between the ranking of constraints associated with farmers' participation in cooperative organizations. Furthermore, findings showed that the top five factors limiting households’ decision to participate in cooperative organizations were inadequate capital accumulation, high embezzlement of funds, poor leadership, recurring internal crises and lack of initiative. Policies to provide good and accessible roads, increase farmers incomes and encourage youths are rational options that will enhance effective participation in cooperative organizations.


2021 ◽  
Vol 53 (4) ◽  
pp. 426-433
Author(s):  
Luke ADEBISI ◽  
Oluwaremilekun ADEBISI ◽  
Marvellous OWOLABI ◽  
Edet HENSHAW ◽  
Olaide ASIYANBI

The study assessed the effect of contract farming on broiler production in Osun State, Nigeria. 120 farmers comprising of broiler farmers participating and not participating in contract farming were selected using multistage sampling technique. Information was elicited from the farmers with the aid of a structured questionnaire. The data were analyzed using descriptive statistics, Stochastic Production Frontier and Ordinary least square regression model. The findings of this study revealed that majority (75%) of the farmers rated the activities of contracting farming to be good and favorable, as the contract farmers earn more from broiler production than their counterparts. Average technical efficiency of the contract and non contract farmers were 0.8209 and 0.6803, respectively. The results also revealed that years of experience in broiler production, education of farmer, off-farm income, membership in farmers association, access to credit, access to veterinary services and participation in contract farming significantly affected technical efficiency of broiler farmers in the study area. Therefore, the study recommends that there should be increase in the awareness of the benefits associated with contract farming in agrarian communities, so that more farmers are encouraged to participate, as this will improve their production efficiency.


2021 ◽  
Vol 7 (1) ◽  
pp. 1-12
Author(s):  
Adewuyi Adekunle Kolawole ◽  
Amurtiya Michael

Abstract This study is focused on analysing the economics of rice production by the small-holder female rice-farmers in Adamawa State, Nigeria. Specifically, the study described female rice-farmers’ socio-economic characteristics, analysed their technical and allocative efficiencies, and also assessed their economic efficiency in the area. Primary data were collected from 180 randomly selected female rice-farmers in Adamawa State using a semi-structured questionnaire. Descriptive statistics and stochastic frontier function were used analysing the data collected. Findings of the study revealed that the technical in-efficiency of the farmers is influenced by farming experience, education, and access to credit facilities. Also, the allocative in-efficiency of female farmers was influenced by education, household size, and access to credits. The result showed that education and access to credit facilities were common factors affecting the technical and allocative efficiency of female rice farmers in the area. The mean economic efficiency of the female farmers was 0.6. Therefore, the study recommends that the government and other actors in the agricultural sector should facilitate women’s access to credit facilities and other agricultural information relevant to rice production.


2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Bismark Amfo ◽  
James Osei Mensah ◽  
Ernest Baba Ali ◽  
Gilbert Dagunga ◽  
Seth Etuah ◽  
...  

PurposeThis study investigates implications of crop and income diversifications on consumption expenditure (welfare) of rice-producing households in Ghana. It further compares diversification by three rice production systems: two-season rain-fed, two-season irrigated and one-season rain-fed rice production.Design/methodology/approachPrimary data were sourced from 225 rice farmers. Margalef index and three-stage least-squares were employed.FindingsMajority of rice-farming households in Ghana diversify livelihoods. The extent of livelihood diversification differs among two-season rain-fed, two-season irrigated and one-season rain-fed rice-producing households. Credit, distance to district capitals, production purpose and number of farming seasons influence crop and income diversifications, and consumption expenditure of rice-producing households. While crop diversification reduces consumption expenditure, income diversification increases it. Crop and income diversifications positively influence each other. Consumption expenditure reduces crop diversification but increases income diversification.Practical implicationsPolicy should be directed towards the promotion of more livelihood activities to boost rice farmers' welfare. There should be awareness creation and training programmes to enable rice farmers realize different economic activities within and outside the agricultural value chain.Originality/valueCrop and income diversifications were measured as continuous response variables, unlike previous studies that used a binary response variable. The authors established a synergy among crop and income diversifications, and consumption expenditure (welfare). The authors further compared crop and income diversifications by three rice production systems: two-season rain-fed, two-season irrigated and one-season rain-fed rice production systems.


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