ABSTRACT
This study examined access to agro-credit by farmers in Kaduna state. This study employed
survey research methodology which covered the three agricultural zones in the study area. To
achieve the objective of the study, five research questions guided the study and one hypothesis
was formulated. Hypothesis was tested using Chow test model. The data generated were
analyzed using multiple regression and 4-point likert scale rating. A reliability coefficient of 0.78
was obtained using Cronbach Alpha to establish internal consistency. It was shown that, majority
of the respondents (40%) were aged between 31 and 40 years, 32.5% where aged between 41 and
50 years and 18.33% were between 21 and 30 years. About 41.20% of the respondents had no
formal education, 34.2% attended primary education, 16.7% obtained secondary certificate while
7.5% attended tertiary institution. About 48.3% of the respondents had farming experience of 20
years and above, 19.2% had farming experience of between 10 to 14 years and 17.5% had 15 to
19 years. Majority of the respondents (41.67%) sourced a total amount of between N100,000 and
N400,000 from either formal or informal sources, 25.83% sourced less than or equal to
N100,000. Others, 10.83%, 15% and 6.67% have obtained credit to the tune of N400,001 –
700,000, N700,000 – N1,000,000 and more than N1,000,000 respectively. Age, marital status,
level of education, interest rate and credit awareness were the major determinants of (p
, A & MALIKI, B (2021). Access To Agro-Credit By Farmers In Kaduna State, Nigeria. Afribary. Retrieved from https://track.afribary.com/works/access-to-agro-credit-by-farmers-in-kaduna-state-nigeria
, ALI and BASANIOR MALIKI "Access To Agro-Credit By Farmers In Kaduna State, Nigeria" Afribary. Afribary, 05 May. 2021, https://track.afribary.com/works/access-to-agro-credit-by-farmers-in-kaduna-state-nigeria. Accessed 24 Nov. 2024.
, ALI, BASANIOR MALIKI . "Access To Agro-Credit By Farmers In Kaduna State, Nigeria". Afribary, Afribary, 05 May. 2021. Web. 24 Nov. 2024. < https://track.afribary.com/works/access-to-agro-credit-by-farmers-in-kaduna-state-nigeria >.
, ALI and MALIKI, BASANIOR . "Access To Agro-Credit By Farmers In Kaduna State, Nigeria" Afribary (2021). Accessed November 24, 2024. https://track.afribary.com/works/access-to-agro-credit-by-farmers-in-kaduna-state-nigeria