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2024, Vol: 11, Issue: 2
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Research Article
Online Published: 12 May 2020
 


Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria

Jabo Muhammad Sani Muhammad, Said Yunusa Muhammad.


Abstract
This paper examined the determinants of International Fund for Agricultural Development (IFAD)/ Sokoto Agricultural and Community Development Project (SACDP) assisted micro-credit among small-holder farmers in Wamakko Local Government Area (L.G.A) of Sokoto State, Nigeria. Simple random sampling technique was adopted in selecting 90 respondents; 45 micro-credit benefiting and 45 non-benefiting farmers. Primary data were collected with the use of structured questionnaire. Descriptive and inferential statistics OLS were used in achieving the objectives of the study. The study established that majority of the beneficiaries and non-beneficiaries of IFAD Micro-credit (71.1% and 100% respectively) had farming as their major occupation. Majority (64.5%) accessed their micro-credit from informal sources. The study also concludes that level of education of the small-holder farmers, major occupation, awareness, source borrow, form of credit, mode of delivery and interest rate are the key factors that affect the access to micro-credit in the Wammako L.G.A. The study recommends the need for financial institutions through the central bank to look at the issue of reducing the interest rate. The paper suggests that farmers should form strong and viable cooperative groups to enable them pull their resources together for easy access to loan or credit from bank and other sources.

Key words: Micro-credit; Small-holder farmers; Acess, IFAD


 
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How to Cite this Article
Pubmed Style

Muhammad JMS, Muhammad SY. Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria. Equijost. 2020; 7(1): 74-81.

Web Style

Muhammad JMS, Muhammad SY. Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria. https://www.equijost.com/?mno=99778 [Access: June 22, 2026].

AMA (American Medical Association) Style

Muhammad JMS, Muhammad SY. Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria. Equijost. 2020; 7(1): 74-81.


Vancouver/ICMJE Style

Muhammad JMS, Muhammad SY. Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria. Equijost. (2020), [cited June 22, 2026]; 7(1): 74-81.


Harvard Style

Muhammad, J. M. S. & Muhammad, . S. Y. (2020) Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria. Equijost, 7 (1), 74-81.


Turabian Style

Muhammad, Jabo Muhammad Sani, and Said Yunusa Muhammad. 2020. Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria. Equity Journal of Science and Technology, 7 (1), 74-81.


Chicago Style

Muhammad, Jabo Muhammad Sani, and Said Yunusa Muhammad. "Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria." Equity Journal of Science and Technology 7 (2020), 74-81.


MLA (The Modern Language Association) Style

Muhammad, Jabo Muhammad Sani, and Said Yunusa Muhammad. "Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria." Equity Journal of Science and Technology 7.1 (2020), 74-81. Print.


APA (American Psychological Association) Style

Muhammad, J. M. S. & Muhammad, . S. Y. (2020) Determinants of Access to IFAD/SACP Micro-credit Among Small-holder Farmers in Wamakko Local Government Area, Sokoto State, Nigeria. Equity Journal of Science and Technology, 7 (1), 74-81.




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