The Influence Of Rural Microcredit Facilities On Post-Harvest Practices And Adoption Of Technologies In Tanzania: A Case Of Gairo District

ABSTRACT

Microcredit is now important for agriculture, innovation, post

harvest practices and

adoption of technologies. This study was proposed to explore the types of

microcredit facilities that finance the households in rural areas to adopt PHT and

PHP in Gairo District, the pressing constraints against access to microcredit among

households in Gairo District. The study was further extended into looking at the

effect of access to microcredit on the adoption of PHT and PHP in Gairo District.

Using a cross sectional household survey, data were obtained from 100 respondents

who filled the questionnaire followed by interviews at Gairo Di strict of Dodoma

Region. The findings showed that a majority of small scale farmers owned few acres

and operates in groups or associates. Further, it was revealed that microcredit is the

best option to facilitate post harvest practices and adoption of tec hnologies in most

of the rural areas because farmers operate in groups or associations. Microcredit

facilities are used by households in financing post harvest storage technologies. Also,

it was found that the hermetic storage bags were an important storag e facility and

accessible to the households. It is, therefore, safe to conclude that credit to finance

post harvest technology among small scale farmers is extensively a major need to

control and manage farming practices. Drawing on these findings and conc lusion,

this study recommends that credits offered by financial institutions should

necessarily conform to the demand and situation of small scale farmers in rural areas.

Further to this is the accessibility and reduced conditionality.

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