Determinants of farmers’ access to microcredit from cooperative societies in Ondo state, Nigeria

The study examined the determinants of farmers’ access to microcredit from cooperative societies in Ondo state. A multistage sampling technique was used to obtain data from 100 respondents. Primary data was collected for the purpose of the study. We used descriptive statistics and logit regression model to analyses the data collected. Result showed that the farmers were mostly male farmers (64%) while majority of the farmers had a mean age of 44.10 ± 14.70. It was also revealed that consumer cooperative society, producer cooperative society, marketing cooperative society, cooperative farming society and credit and thrift cooperative society were the major forms of cooperative used by the farmers. The result also shows that age, marital status, farm size, farming experience, credit from another source and number of years in the cooperative significantly influenced farmers’ access to microcredit from cooperative society. Int. J. Agril. Res. Innov. Tech. 11(2): 103-107, Dec 2021

Accessing value-added market through cooperatives: a case study of Sitajakhala Dugdha Utpadak Samabai Samiti Ltd., India

PurposeMember-owned business organizations, such as cooperatives, are engaged in various economic activities that touch our everyday lives. Sitajakhala Dugdha Utpadak Samabai Samiti Limited (Sitajakhala Dairy Producers Cooperative Society Limited) is a successful cooperative society in the northeastern region of India. The purpose of this case study is to illustrate how the cooperative manages its production and supply chain of milk and milk products and highlights several issues that the cooperative encountered in the recent past and how those issues were managed. This case also illustrates how an agribusiness cooperative has been growing over the years, including expansion of business and the creation of a brand image, as well as benefiting its members and their communities.Design/methodology/approachThe authors used a case study approach where they went for in-person interviews of Sitajakhala's executive members and office staff; in addition, the authors were given access to Sitajakhala's marketing and financial records as well as its annual reports and vision documents.FindingsSitajakhala Co-op provides a platform where individual dairy farmers (most of who are small farmers and many of them are illiterate) can unite to bargain for higher prices for their milk. Due to its member-oriented business strategy, Sitajakhala Co-op has been growing well with active support of its members. Consistent quality control and marked improvements in labeling, bottling and packaging of milk and milk products has helped the cooperative to establish itself as a leader in dairy products supplier in Assam among bulk buyers as well as individual consumers. Sitajakhala cooperative also provides dairy farming related services to its members for free of charge to improve milk production and quality. One of the shortcomings of the cooperative is underutilization of its modern milk processing plant which needs to be addressed by the management in earnest.Research limitations/implicationsThis case study is based on information from one dairy cooperative in Assam, India; thus, the findings of this case may not translate into other dairy cooperatives in India or elsewhere. Nonetheless, cooperative practitioners may find the findings useful from a management perspective.Social implicationsSitajakhala Co-op management was keenly aware of the non-dairy related needs of the community it serves. Some of such services include free medical ambulance service for its members, supporting secondary education through providing merit and need-based scholarships and funding physical improvements to a local high school and a local college. In addition, the cooperative regularly provides funding to local sports and cultural events and local social institutions which have positive impact on the larger community. Sitajakhala cooperative has been providing employment to the local youth in the Morigaon area and plans on continuing to do so.Originality/valueTo the best of our knowledge, this is the first case study focusing on the management and operations of a dairy cooperative in the northeastern part of India. Knowledge gained from such study is expected to benefit not only Sitajakhala cooperative but also other dairy cooperatives in a similar situation. This case study will also benefit senior undergraduate and/or graduate students specializing in agricultural economics/agribusiness and can also be used for executive training for the management of academic institutions and food companies.

Beyond Aid: Sustainable Community-Owned Cooperative Business

<p>This thesis seeks to answer the question as to how the Colville Cooperative Society has withstood social and economic change where many other rural businesses offering similar services, in similar rural communities have failed. Joint entrepreneurship is a demanding form of entrepreneurship. Democracy is manage and difficult to sustain. What role does the organisation's cooperative principles and community ownership play in its sustainability? The research seeks to expand the knowledge of community-owned cooperative business as a viable alternative for community economic development; expand the New Zealand research on cooperative models; provide insight for cooperative member's to reflect on past successes and challenges in order to improve practice; and share knowledge about what makes a community-owned business work. The study found that the sustainability of the Colville Cooperative was dependant on several key factors. First amongst these is that the enterprise provides what the community needs. This is the basis of support for the enterprise and can overcome structural disadvantages. Vision and leadership that cleaves to the cooperative's principles, aims and objectives was just as important. To bring to expression and sustain these there had also had to be adequate business skills, and business continuity. It is the thesis of this research that the sustainability of the cooperative rests partly in the core beliefs and organising skills of the people who started it, partly in the resilience of cooperative forms of enterprise, and partly in the willingness and capacity of the community to sustain it. It is argued this type of community owned cooperative, where assets and shares are effectively held in trust on behalf of the community, can create a common wealth which frees communities from unsustainable sources of income, and creates viable enterprises that are independent of changing government policy fashions.</p>

Beyond Aid: Sustainable Community-Owned Cooperative Business

<p>This thesis seeks to answer the question as to how the Colville Cooperative Society has withstood social and economic change where many other rural businesses offering similar services, in similar rural communities have failed. Joint entrepreneurship is a demanding form of entrepreneurship. Democracy is manage and difficult to sustain. What role does the organisation's cooperative principles and community ownership play in its sustainability? The research seeks to expand the knowledge of community-owned cooperative business as a viable alternative for community economic development; expand the New Zealand research on cooperative models; provide insight for cooperative member's to reflect on past successes and challenges in order to improve practice; and share knowledge about what makes a community-owned business work. The study found that the sustainability of the Colville Cooperative was dependant on several key factors. First amongst these is that the enterprise provides what the community needs. This is the basis of support for the enterprise and can overcome structural disadvantages. Vision and leadership that cleaves to the cooperative's principles, aims and objectives was just as important. To bring to expression and sustain these there had also had to be adequate business skills, and business continuity. It is the thesis of this research that the sustainability of the cooperative rests partly in the core beliefs and organising skills of the people who started it, partly in the resilience of cooperative forms of enterprise, and partly in the willingness and capacity of the community to sustain it. It is argued this type of community owned cooperative, where assets and shares are effectively held in trust on behalf of the community, can create a common wealth which frees communities from unsustainable sources of income, and creates viable enterprises that are independent of changing government policy fashions.</p>

Baraza: Social Networking and Sustainable Livelihood of Households in South-south Nigeria during the COVID-19 Pandemic

The outbreak of COVID-19 pandemic spiraled serious economic crisis to the households. While studies have largely focused on the formal mechanisms to cushion its effects on households’ livelihood, study on the informal mechanisms is still scanty. This study, therefore, examined the roles of Baraza as a Multipurpose Cooperative Society (MCS) during COVID-19 lockdown in Yenagoa City. The theory of planned behaviour was adopted, while a cross-sectional survey design was employed. A respondent-driven sampling was utilized to sample 380 respondents through Baraza MCS using a structured-questionnaire. Descriptive statistics and multiple linear regression were used as analytical strategy at p<0.05. Findings revealed that the majority were males, employed and had B.Sc/BA as educational qualification. It was further indicated that the majority had long-term plan (62%) in the scheme, as it served as an alternative source of income (54.7%), income diversification (55%), as well as a cushioning mechanism for COVID-19 pandemic (34.3%) among others. The predictor variables jointly predicted the level of satisfaction derived from the scheme during the pandemic at (R=0.33, R2=0.11; AdjR2=0.10, F(5,369)=9.23), while the average investment (β=.375, t=2.740), contributory platform (β=-.550, t=-2.360) and number of packages (β=.558, t=3.298) of respondents significantly predicted the level of satisfaction derived from the scheme. In spite of these, the fear of political interference (39.7%), interest reduction (38.4%), collapse (33.7%), etc. were the associated challenges with the scheme. It is imperative that the scheme are thoroughly supported and regulated by the concerned agencies in order to enhance its roles as alternative source of livelihood sustainability particularly during economic crisis.

Amélioration génétique bovine par voie de croisement et de sélection en Afrique Tropicale : Expériences du Cameroun

Ce travail passe en revue les résultats des travaux de recherches sur l’amélioration génétique des zébus locaux (Goudali, White et Red Fulani) par voie de sélection et de croisement avec les races exotiques (Holstein, Montbéliarde, Brahman américain, Jersiais, Tarentaise, Limousine et Charolaise). Ces travaux ont été conduits depuis 1952 dans les Centres de Recherches Zootechniques de Wakwa et Bambui par l’Institut de Recherches Zootechniques (IRZ, aujourd’hui connue sous le nom de l’Institut de Recherche Agricole pour le Développement) du Cameroun, en système d’élevage semi-intensif dans les zones des hautes savanes guinéennes et des hauts plateaux de l’Ouest Cameroun. Les données proviennent des rapports d’activité et de consultations, des publications scientifiques et des entrevues. L’objectif est de ressortir les résultats saillants utiles pour les décideurs politiques, les chercheurs et les éleveurs. Les principaux résultats montrent que le potentiel laitier des croisés est généralement supérieur (>4 litres) à celui des races locales (>3,5 litres). Les génotypes ayant moins de 75% de sang exotique sont les plus performants en lait et viande. Les causes de mortalité par ordre d’importance sont nutritionnelles (36,8%), accidentelles (29,6%), pathologiques (21,1%), parasitaires (7,7%) et reproductives (4,8%). Par rapport aux autres produits de croisement, les croisés Holsteins ont été plus lourds à la naissance (34,75 kg) avec une vitesse de croissance plus élevée (0,46 kg), une production laitière plus élevée (5,47 ± 0,17 litres), plus précoces (40,87 mois) et moins susceptibles au stress Nuenvironnemental. Pour la filière bovin-à-viande, les performances de viande de la race synthétique Wakwa sont légèrement supérieures à celles des zébus Goudali sélectionnés dans le cheptel local. Cependant, le taux de susceptibilité à la dermatophilose est estimé à 71,0%, 34,4% et 5,0% chez le pur, ½ et ¼ sang Brahman, respectivement. La sélection massale du zébu Goudali (variété Ngaoundéré) et la race synthétique Wakwa a permis d’obtenir des progrès génétiques significatifs, soient, respectivement, 8,60 kg et 20,40 kg. Cependant, les corrélations génétiques négatives entre les effets directs et maternels montrent que le progrès génétique serait davantage plus important si la sélection était concentrée sur les performances directes et maternelles. Les expériences d’insémination artificielle menées à la SODEPA et à « Tadu Dairy Cooperative Society»montrent que l’industrie laitière est une entreprise rentable avec un rapport bénéfice-coût de 4,21. This work reviews the results of research on the genetic improvement of local zebus (Gudali, White and Red Fulani) through selection and crossbreeding with exotic cattle breeds (Holstein, Montbeliard, American Brahman, Jersey, Tarentaise, Limousine and Charolais). This work was started since 1952 by Institute of Animal Research (IRZ, now known as the Institute of Agricultural Research for Development) at the Wakwa and Bambui Research Centers, under semi-intensive management conditions in the high Guinea savannah areas of the Adamawa Plateau and the highlands of West Cameroon. Data were obtained from activity and consultation reports, scientific publications and interviews. The objective is to highlight salient findings that are useful for policy makers, researchers and livestock producers. The main results show that the milk potential of crosses is generally higher (>4 liters) than that of local breeds (>3.5 liters). Genotypes with less than 75% exotic blood had the best milk and meat production performance. The reported causes of mortality in order of importance are nutritional (36.8%), accidental (29.6%), pathological (21.1%), parasitic (7.7%) and reproductive (4.8%). Compared to the others crosses, Holstein crosses were found to be relatively heavier at birth (34.75 kg) with a higher growth rate (0.46 kg), higher daily milk production (5.47 ± 0.17 liters), earlier maturing (40.87 months), but more adapted to the breeding conditions and less susceptible to environmental stress. For the beef industry, the meat performance of the synthetic Wakwa breed is slightly better than that of the Gudali zebus selected from the local herd. However, the susceptibility rate to dermatophilosis was estimated at 71.0%, 34.4% and 5.0% in pure, ½ and ¼ blood Brahman, respectively. Individual selection of the Gudali zebu (Ngaoundéré subtype) and the synthetic Wakwa breed has resulted in significant genetic progress, 8.60 kg and 20.40 kg, respectively. However, the negative genetic correlations between direct and maternal effects showed that genetic progress would be more important if selection was concentrated on direct and maternal performance. Artificial insemination experiments conducted at SODEPA and Tadu Dairy Cooperative Society showed that the dairy industry is a profitable enterprise with a benefit-cost ratio of 4.21.

Adoption Behaviour of the Rural Farming Household in South West Nigeria: A Panacea for Agricultural Promotion Policy (APP)

The study examined the adoption behaviour of the rural farming household in South-West Nigeria. A cross-sectional sample survey of 200 farmers were randomly chosen for the study. Descriptive statistics and Tobit regression were used to calculate the probability of adoption. The study showed the magnitude of change in the level of adoption of agroforestry-based technologies by performing simulated analysis on some identified variables that could influence government policies. The simulation is done with an increase in the values of the variables by 5%, 10% and 20%. The results of this simulation of policy variables revealed that adoption will decrease with increase in age and credit facility. Also, any policy that will improve the quality and/or coverage of extension education is likely to increase adoption of agroforestry-based technologies. Landowners are likely to adopt agroforestry based technologies than tenants. Any policy that provides land to prospective farmers is likely to increase adoption of agroforestry-based technologies. Some of the general conclusion which have emerged from this investigation are that: Only availability of credit to farmers has significant effect on adoption of agroforestry-based technology at 0.05 level. However, at 0.10 level of significance, distance of input source from farm, membership of cooperative society and farmers’ educational status are significant in explaining adoption decision of farmers in the area. It is therefore recommended that there is need for provision of regular and better extension services to keep farmers abreast of the latest agroforestry-based technologies.