ACCESS OF MICRO CREDIT AMONG RURAL FARMERS IN NIGERIA

ABSTRACT

 Farm credit accessibility has been seen as the surest way of breaking the vicious cycle of poverty in the rural areas of developing countries, particularly in sub Saharan Africa. This study examines the challenges of farm credit accessibility by small scale farmers in Nigeria.
Farming in rural Nigeria has widely changed from being activity aimed at providing food and fiber for household subsistence to one providing for the market (commercial farming). Like every competitive commercial engagement, farmers are not able to adequately finance their operations alone with personal savings and therefore have relied much on funds borrowed from different sources at some varying degrees of accessibility. Access to credit has been recognized as one major determinant of economic growth . Agriculture is considered by fund lending institutions as occupation with great risks, on account of vulnerability of its enterprises to failures with low coverage of dependable formal insurance policy, especially at level of small scale operation. This has accounted for denial of access to credit to smallholder farmers by commercial banks in Nigeria.


TABLE OF CONTENTS
Title Page     -    -    -    -    -    -    -    -    -    -i
Abstract     -    -    -    -    -    -    -    -    -    -ii
Table of Contents     -    -    -    -    -    -    -    -    -iii
Chapter One
Introduction
1.1    Background of the Study     -    -    -    -    -    -   
1.2    Statement of the Problem     -    -    -    -    -    -   
1.3    Research Questions     -    -    -    -    -    -    -    -
1.4    Objectives of the Study     -    -    -    -    -    -    -
1.5    Limitation of the Study     -    -    -    -    -    -    -
1.6    Definition of Terms     -    -    -    -    -    -    -   
Chapter Two
2.1 Conceptual framework    -    -    -    -    -    -    -
2.2 Theoretical Framework     -    -    -    -    -    -    -
2.3 Empirical Literature     -    -    -    -    -    -    -    -


Chapter Three
3.1 Summary     -    -    -    -    -    -    -    -    -
3.2 Conclusion     -    -    -    -    -    -    -    -    -
3.3 Recommendation     -    -    -    -    -    -    -    -
References     -    -    -    -    -    -    -    -    -    -