Agricultural Credit and Farm Productivity in Bichi Local Government, Kano State, Nigeria

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ABSTRACT This study set out to investigate the impact of agricultural credit on farm productivity for export in Bichi Local Government, Kano State, Nigeria. The study was guided by the following objectives: i) to determine the level of farm productivity in Bichi local government, Kano State, Nigeria, ii) to find out the common challenges faced by the local farmers in accessing agricultural credit from commercial banks in Bichi local government, and iii) to assess the effect of agricultural credit on the level of farm productivity in Bichi local government. The study used a sample size of 359 respondents. OLS regression was used to determine the effect of agricultural credit on farm productivity. The study revealed a high level of farm productivity with a yield as high as 60,000kg per 20 hectares of land. In addition to that, the study revealed a significant effect of agricultural credit on farm productivity (purpose of loan.

TABLE OF CONTENTS

DECLARATION I

APPROVAL

DEDICATION iv

ACKNOWLEDGEMENT V

LISTS OF ACRONYMS vi

TABLE OF CONTENTS vii

LISTS OF TABLES x

ABSTRACT XI

CHAPTER ONE 1

1 .0 Introduction 1

1. lBackground of the Study 1

1.1,1 Historical Perspective 1

1.1.2 Theoretical Perspective 3

1.1 .3 Conceptual Perspective 3

1.1 .4 Contextual Perspective 4

1 .2 Problem Statement 5

1.3 Purpose of the Study 5

1.4 Research Objectives 6

1 .5 Research Questions 6

1 .6 Hypothesis 6

1.7 Scope of the Study 6

1.7.1 Geographical Scope 6

1.7.2 Theoretical Scope 6

1.7.3 Content Scope 6

1.7.4 Time Scope 7

1.8 Significance of the Study 7

CHAPTER TWO 8

LITERATURE REVIEW 8

2.0 Introduction 8

2.1 Theoretical Review 8

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2.2 Conceptual Framework .9

2.3 Review of Related Literature 9

2.3.lFarm Productivity 9

2.3.2 The Effect of Agricultural Credit on Farm Productivity 15

CHAPTER THREE 18

METHODOLOGY 18

3.0 Introduction 18

3.1 Analytical Technique 18

3.2: Conceptual Framework 18

3.3 Model Specification 19

3.4 Measurement of Variables 19

3.5 Research Design 20

3.6 Research Population 20

3.7 Sample Size 20

3.8 Sampling Procedures 20

3.9 Research Instruments 20

3.9.1 Questionnaires 20

3.9.2 Interviews 21

3.10 Validity and Reliability of the Instruments 21

3.10.1 Validity 21

3.10.2 Reliability 21

3.11 Data Collection Procedures 21

3.12 Data Analysis 21

3.13 Ethical Considerations 22

3.14 Limitation of the Study 22

CHAPTER FOUR 24

DATA PRESENTATION, ANALYSIS, INTERPRETATION AND DISCUSSION 24

4.0 Introduction 24

4.1 Response Rate 24

4.2 Demographic Characteristics of the Respondents 24

4.3 The Level of Farm Productivity among Farmers in Bichi Local Government 28

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4.4 The Common Challenges Faced By the Local Farmers in Accessing Agricultural Credit from

Commercial Banks in Bichi Local Government 30

4.5 The Effect of Agricultural Credit on the Level of Farm Productivity in Bichi Local Government, Kano

State, Nigeria 32

Table 4.13: Regression Results 35

CHAPTER FIVE 40

DISCUSSIONS, CONCLUSION, AND RECOMMENDATIONS 40

5.0 Introduction 40

5.1 Discussions 40

5.1.1 The Level of Farm Productivity among Farmers in Bichi Local Government 40

5.1.2 The Common Challenges Faced By the Local Farmers in Accessing Agricultural Credit from

Commercial Banks in Bichi Local Government 40

5.1 .3 The Effect of Agricultural Credit on the Level of Farm Productivity in Bichi Local Government,

Kano State, Nigeria 41

5.2 Conclusion 42

5.3 Recommendations 42

5.4 Areas for further Studies 43

APPENDIX IA: QUESTIONNAIRES 53

APPENDIX IB: INTERVIEW GUIDE 57

APPENDIX II: MORGAN TABLE 58