Download Investigating the Problems of Agricultural Credit in Adamawa State. Natural And Environmental Sciences students who are writing their projects can get this material to aid their research work.
This research was conducted with the aim of pointing out the problems that prevent farmers from having access to credit in Yola south.
The research also gives an analysis of the socio-economic characteristics of farmers in the study area and their access to credit.
Furthermore, the research also identifies the main sources of credit to farmers in the study area and the benefits derived from the credit obtained.
During this research, three communities were purposively selected in Yola south; Wuro-chekke, Bole and Mbamba.
These communities house the majority of farmers in the study area and 20 farmers were randomly selected from each of the community thereby making a total of 60 farmers.
For many years, different studies have been conducted on the problems of agricultural credit in Nigeria. The studies were conducted both in the Northern and Southern parts of the country and the results were almost similar to one another.
From the results, it is observed that most farmers who apply for credit to finance their agriculture experience problems such as lack of collateral, high interest rate.
lack of awareness by extension farmers, long procedures and insufficient funds to give all farmers that requested loans; Are the main factors that lead to having problems with agricultural credit (N. 2012).
Other studies conducted have also shown that educational level and locations of banks where the loans are applied for are also among the factors that contribute to farmers not having accesses to loans in the rural areas of Nigeria (Foin 2007).
Agriculture can be defined as the science, art and occupation of cultivating soil, rearing animals and producing crops.
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