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All Journal African Multidisciplinary Journal of Sciences and Artificial Intelligence African Journal of Sciences and Traditional Medicine
Olayiwola S. A
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Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Environmental Science Health Professions Immunology & microbiology Materials Science & Nanotechnology Nursing Public Health

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Analysis of Access to Credit Facilities to Small-Scale Farmers in Wukari Local Government Area of Taraba State, Nigeria Olayiwola S. A; Magaji S. B
African Multidisciplinary Journal of Sciences and Artificial Intelligence Vol 1 No 1 (2024): African Multidisciplinary Journal of Sciences and Artificial Intelligence
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/amjsai.v1i1.3520

Abstract

This study analyzed factors affecting access to credit facilities of small-scale farmers in Wukari Local Government area of Taraba State, Nigeria. A multistage sampling technique was used to collect primary data from 120 respondents using a structured questionnaire. Data collected was analyzed using descriptive statistics and binary logistic regression. Result revealed that, 59.2% of the respondents were male, average age was 34years and 43.3% of the respondents were married. The result also revealed that average household size was about 6 while 60.8% of the respondents acquired tertiary education. Majority (72.5%) of the respondents had access to credit and most (60.8%) sourced their loan through informal institution. Respondents (53.3%) agreed that there was misappropriation of credit and the reason for misappropriation was low yield of the farm outputs. The binary logistic regression revealed that educational level, annual farm income, farm size, membership of cooperative and age were significantly affected access to credit in the study area. The major constraints faced small-scale farmers in the study area were high interest rate (3.37), lack of collateral (3.28), low amount of loan (3.19) as well as delay in approval and disbursement (3.10). This study provides critical insights into the dynamics of credit access among small-scale farmers, offering a foundation for policy interventions and future research aimed at improving the financial inclusivity and economic resilience of this vital sector.
Analysis of Technical Efficiency of Groundnut Production in Wukari Local Government Area of Taraba State, Nigeria Olayiwola S. A; Oniga M. A
African Journal of Sciences and Traditional Medicine Vol 1 No 1 (2024): African Journal of Sciences and Traditional Medicine
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ajstm.v1i1.3632

Abstract

The study analyzed the technical efficiency of groundnut production in Wukari Local Government of Taraba State, Nigeria. A multistage sampling technique was employed in the study with the use of 120 structured questionnaires. The result showed that majority of the farmers were male with mean age of 39.18 years. Majority (53.35%) were married, the average mean of the household size was 7.14 and farm size was 3.61, which was acquired through inheritance (42.5%). Also, 30.8% of the respondents used family labor and 57.5% of the respondents having <100000 as their income level. Average gross margin for groundnut production in the study area was N147,513.92/ha. The return on investment was estimated to be N0.55, which implies that for every N1 expended, the farmer is expected to earn N0.55 in return. The result from the technical efficiency showed that farm size, fertilizer, seed and labour were all significant while the result from the technical inefficiency showed that educational level, farming experience, age and farm size were all significant. In conclusion, the study shows that groundnut production is a profitable business and was recommended that groundnut producers be encouraged to increase their scale of production to increase their yield, stakeholders in the sector should make provision for incentives such as in-service extension training to improve groundnut productivity also, implementation of policies that would encourage farm owners to form cooperative/organization or join the existing ones in the study area.
Co-Authors Magaji S. B Oniga M. A