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All Journal Pancasila International Journal of Applied Social Science International Journal of Economic, Finance and Business Statistics (IJEFBS)
Bello, Temitope Olanrewaju
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Evaluating the Effect of Microcredit on Rural Livelihoods: A Case Study of Farming Households in Southwest Nigeria Ilesanmi, Julius Olumide; Bello, Temitope Olanrewaju; Oladoyin, Olanrewaju Peter; Akinbola, Adeyose Emmanuel
International Journal of Economic, Finance and Business Statistics Vol. 2 No. 5 (2024): October 2024
Publisher : MultiTech Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59890/ijefbs.v2i5.2619

Abstract

Access to credit is an important thing in improving the livelihoods of rural families in developing international locations, enabling them to triumph over monetary barriers and spend money on productive activities. This observation evaluates the impact of microcredit on the livelihoods of rural farming households in Southwest Nigeria, specializing in assets of credit and elements influencing credit access. Descriptive facts and multinomial logistic regression were used to analyse the information. Results show that informal credit sources, such as family and friends, are predominantly utilized by 97.5% of respondents, while only 8.3% accessed microfinance banks. The average credit amount received was ₦167,000, with limited utilization primarily due to constraints like market access and lack of technical knowledge. Agricultural activities such as crop production and livestock farming dominate rural livelihoods, suggesting that microcredit plays a crucial role in improving productivity. However, findings indicate that higher education levels, income, and household size significantly influence the likelihood of accessing formal and informal credit. The study concludes that microcredit has the potential to improve rural livelihoods, but formal credit systems must be expanded to reduce reliance on costly informal sources and enhance the overall welfare of rural households.
Analysing Resource Use Efficiency and Determinants of Catfish Output in Ondo State, Nigeria Oladoyin, Olanrewaju; Bello, Temitope Olanrewaju; Ijigbade, Justin Orimisan; Adaba, Oluwajuwon Emmanuel; Ilesanmi, Julius Olumide
Pancasila International Journal of Applied Social Science Том 3 № 02 (2025): Pancasila International Journal of Applied Social Science
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/pancasila.v3i02.1728

Abstract

This study evaluated resource use efficiency in catfish production in Ondo East Local Government Area, Ondo State, Nigeria. A multistage sampling technique was employed to select 150 catfish farmers across five purposively chosen communities. Structured questionnaires were used to collect primary data, which were analysed using descriptive statistics, budgetary analysis, and multiple regression models. Findings indicate that the average age of respondents was 45 years, with most being male (80%), married (80%), and formally educated (97.3%). The mean household size was five, and the average farming experience was 11 years. The majority (87.3%) sourced fingerlings through purchase, and over half (51.3%) relied on personal savings as their main capital source. The mean farm size was 6.17 units. Profitability analysis revealed that for every ₦1.00 invested, farmers earned ₦3.90, confirming the viability of catfish farming in the area. Regression analysis identified fingerlings, feed, labour, and pesticides as significant inputs influencing output (p < 0.05), while farm size and fertiliser had no significant effect. Efficiency analysis showed underutilization of fingerlings (12.6) and pesticides (1.2), while inputs such as feed, labour, fertiliser, and farm size were overutilized. Major production constraints included limited access to credit (98.7%), high feed costs (97.3%), and pollution (83.3%). The study concludes that while catfish farming is profitable, inefficiencies and structural challenges persist. It recommends improving farmers’ access to credit, promoting investment in fingerlings, and encouraging youth participation to enhance productivity and reduce rural unemployment.
Co-Authors Adaba, Oluwajuwon Emmanuel Akinbola, Adeyose Emmanuel Ijigbade, Justin Orimisan Ilesanmi, Julius Olumide Oladoyin, Olanrewaju Oladoyin, Olanrewaju Peter