Access To Agro-Credit By Farmers In Kaduna State, Nigeria

ABSTRACT

This study examined access to agro-credit by farmers in Kaduna state. This study employed

survey research methodology which covered the three agricultural zones in the study area. To

achieve the objective of the study, five research questions guided the study and one hypothesis

was formulated. Hypothesis was tested using Chow test model. The data generated were

analyzed using multiple regression and 4-point likert scale rating. A reliability coefficient of 0.78

was obtained using Cronbach Alpha to establish internal consistency. It was shown that, majority

of the respondents (40%) were aged between 31 and 40 years, 32.5% where aged between 41 and

50 years and 18.33% were between 21 and 30 years. About 41.20% of the respondents had no

formal education, 34.2% attended primary education, 16.7% obtained secondary certificate while

7.5% attended tertiary institution. About 48.3% of the respondents had farming experience of 20

years and above, 19.2% had farming experience of between 10 to 14 years and 17.5% had 15 to

19 years. Majority of the respondents (41.67%) sourced a total amount of between N100,000 and

N400,000 from either formal or informal sources, 25.83% sourced less than or equal to

N100,000. Others, 10.83%, 15% and 6.67% have obtained credit to the tune of N400,001 –

700,000, N700,000 – N1,000,000 and more than N1,000,000 respectively. Age, marital status,

level of education, interest rate and credit awareness were the major determinants of (p

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