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ANALYSIS OF CREDIT FACILITIES TO SMALL SCALE FARMERS. (A STUDY OF SMALL-SCALE FARMERS IN BENDE LOCAL GOVERNMENT AREA OF ABIA SATE)

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ABSTRACT

Inadequate support in terms of credit facilities from government and financial institution has been identified as one of the major problem affecting farming operation particularly that of the small scale farmers in Nigeria. This study analyzed the impact of credit facilities to the operation of small scale farms in Nigeria using BENDE Local Government as a case study. Questionnaires were used to source the data used in carrying out this research. The research design employed for this study was a descriptive survey design, in order to achieve an accurate representation of the entire population. The study makes use of simple random sampling technique as the method of data analysis. However, one strong outcome of this study is that the poor state of credit facilities to small scale farmers in Nigeria has drastically affected farming operation, thus, reduction in agricultural output, leading to importation of Agricultural product. Credit facilities therefore plays a crucial role in the operation of small scale farming, this ensures the derived output which sustain the growth and development of the economy.

TABLE OF CONTENT

Title Page i

Approval Page ii

Dedication iii

Acknowledgement iv

Abstract vi

Table of Content vii

Chapter One

1.0 Introduction 1

1.1 Background of the Study 1

1.2 Statement of Problem 3

1.3 Objective of the Study 4

1.4 Statement of Hypothesis 4

1.5 Scope of the Study 5

1.6 Justification of Study 5

1.7 Organisation of Study 6

Chapter Two

Literature Review

2.0 Introduction 7

2.1 Conceptual Issues 9

2.2 Overview of Credit Scheme to Farmers in Nigeria 9

2.3 Empirical Literature Review 44

2.4 Conclusion 45

Chapter Three

3.0 Research Methodology 47

3.1 Introduction 47

3.2 Research Design 47

3.3 The Research Population 48

3.4 Sampling Frame and Sampling Unit 48

3.5 Sampling Method 49

3.6 Sample Size 49

3.7 Method of Data Collection 49

3.8 Method of Data Analysis 49

Chapter Four

Results and Discussion of Findings

4.0 Introduction 51

4.1 Demographic Data 51

4.2 Presentation of Selected Variable Based on Descriptive Statistics 55

4.3 Research hypothesis 61

Chapter Five

Summary, Conclusion and Recommendation

5.1 Summary 64

5.2 Conclusion 65

5.3 Recommendation 65

Bibliography 68

Journals 71

Questionnaire 73

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