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Analysis Of The Problems Of Agricultural Credit To Farmers
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SIGNIFICANCE OF THE STUDY
1.
This research study will be important to those future researchers in
economic and agricultural science who would like to use it as a
reference material or for further investigation.
2. This study is to
create awareness to farmers in Edo state, the reasons of low
agricultural production and also to bring to the notice of the general
public loans for financing agricultural production in the locality.
3. It will form a good basis to the government for the formulation of policies.
4. To serve as encouragement to those farmers in the area of study.
HYPOTHESIS
Some question to be tackled in the course of this study has been rise as follows.
1. Is collateral security a problem of obtaining credit from commercial banks?
2. Does high interest rate increase the incidence of bad debt?
3. Does educational background hinder the potentials of obtaining credit?
4. Is a credit facility accessible for small scale farmers?
5. Does bureaulrate process pose a lot of problem or obtaining loans to farmers?
SCOPE OF THE STUDY
This
study is aimed at providing details knowledge and understanding of the
operation, function and to determine the problems of obtaining loans for
financing agricultural production in Edo state through the federal
government agricultural credit guarantee scheme (F.G.A.C.G.S) found
since 1977. With the view of providing useful suggestion to ease the
problem of agriculture development in Nigeria; It is directly towards
the application of problems obtained for financing agriculture view of
this more emphasis will be placed on the success of credit facilities
lending procedure as a criteria of measurement. The performance of the
commercial banks in this regard will be assessed by using the present
farmers areas to the agricultural credit facilities as well as the
hindrance which the small scale farmers faces in obtaining loans from
financial institution.
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ABSRACT - [ Total Page(s): 1 ]The ever determining food production in Nigeria has prompted development or administration (military and civilian) both present and past to formulate programmed to ameliorate or arrest this situation.One of such programmed is the agricultural credit facilities scheme, which is being implemented through commercial banks. Sequel to this the researcher examined the problems of obtaining loan for financing agricultural production in Edo state. ... Continue reading---
