Asenath Kotugan Fada Silong|Yiorgos Gadanakis
Credit sources, access and factors influencing credit demand among rural livestock farmers in Nigeria
University of Reading
purpose rural farmers access farm credit nigeria low affects farm performance credit providers blamed problem sector general perception persists fact may case credit demand rather riskaverse attitudes credit providers purpose paper investigate significant factors influencing farmers credit demand ensure efficient credit provision designmethodologyapproach research adopted mixed methods indepth investigation problem 216 research participants split equal halves men women six local government areas nasarawa state data collection methods employed structured interviews focus group discussions closeopenended key informant interviews analytical tools involved descriptive statistics logit multinomial logit models determine participants socioeconomic characteristics sources credit access factors influencing credit demand generally various sources credit identified findings findings reveal 476 per cent participants accessed credit fewer women accessing men accessed forms credit semiformal sources men accessing formal sources women nonformal sources factors significant influence credit demand generally education group membership household size formal semiformal nonformal credit sources education information sources credit deposits household size marital status education deposits group membership household size flock size education group membership gender nonformal credit providers respectively research limitationsimplications due time constraint study data collected concurrently quantitative qualitative methods allow interrogation findings one method addition research categorised agency women based marital status single married interrogate agency women may limitation female participants polygamous homes originalityvalue unlike current concentration nigerian research kind quantitative methods alone research contributes particularly nigerian research output experience triangulating quantitative qualitative methods explore farmers sources credit access factors determining access credit study area