ANALYSIS OF FACTORS AFFECTING ACCESS TO AGRICULTURAL CREDIT IN BOKO HARAM AFFECTED AREA OF ADAMAWA STATE
Suleiman G. Purokayo, PhD and Babayo Alkali Yohanna
Volume 4 Issue 2
Abstract
This study examined the impact of Boko-Haram activities on agricultural production in some selected areas of Adamawa state, the study focused on; access to agricultural credit to farmers, access within the Boko-Haram affected areas of Adamawa state. Structured questionnaire was designed to collect sufficient data intended to address the objectives of the study. The study employed a logistic regression model; Age, Sex, Value of collateral, Employment and Level of security were used to examine access to agricultural credit facility (AACF); The study provides valuable insights into the factors affecting access to agricultural credit facilities in conflict-affected areas. This is because a number of loans obtained from agricultural banks, age grade and security to lives and properties significantly determine the level of Agricultural output in the Boko-Haram affected areas. That is, the higher the number of loans obtained from agricultural banks, and security to lives and properties the higher agricultural output. This implies that Agricultural output increases with the increase in the number of loans obtained from agricultural banks, and security to lives and properties. The findings suggest targeted interventions to improve farmers' access to agricultural credit, in Boko Haram-affected areas: The study also recommended that the government should provide loans to farmers at a subsidized rate, and security to the lives and properties of farmers. Furthermore, gender disparities in access to credit facilities by implementing gender-sensitive financial policies, providing financial education to women, and encouraging financial institutions to adopt non-discriminatory lending practices. Key words: Factors, Agricultural Credit, Boko Haram Affected Areas
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