May 1, 2019 Thesis Open Access

WondwosenTefera

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  <identifier identifierType="DOI">10.20372/nadre:5762</identifier>
  <creators>
    <creator>
      <creatorName>WondwosenTefera</creatorName>
    </creator>
  </creators>
  <titles>
    <title>"The case of BasonaWerana District in North Shoa Zone of AmharaRegionEthiopia"</title>
  </titles>
  <publisher>Zenodo</publisher>
  <publicationYear>2019</publicationYear>
  <dates>
    <date dateType="Issued">2019-05-01</date>
  </dates>
  <resourceType resourceTypeGeneral="Text">Thesis</resourceType>
  <alternateIdentifiers>
    <alternateIdentifier alternateIdentifierType="url">https://nadre.ethernet.edu.et/record/5762</alternateIdentifier>
  </alternateIdentifiers>
  <relatedIdentifiers>
    <relatedIdentifier relatedIdentifierType="DOI" relationType="IsVersionOf">10.20372/nadre:5761</relatedIdentifier>
    <relatedIdentifier relatedIdentifierType="URL" relationType="IsPartOf">https://nadre.ethernet.edu.et/communities/dbu</relatedIdentifier>
    <relatedIdentifier relatedIdentifierType="URL" relationType="IsPartOf">https://nadre.ethernet.edu.et/communities/zenodo</relatedIdentifier>
  </relatedIdentifiers>
  <rightsList>
    <rights rightsURI="http://www.opendefinition.org/licenses/cc-by">Creative Commons Attribution</rights>
    <rights rightsURI="info:eu-repo/semantics/openAccess">Open Access</rights>
  </rightsList>
  <descriptions>
    <description descriptionType="Abstract">&lt;p&gt;In Ethiopia, among other things, lack of finance is one of the fundamental problems hampering&lt;br&gt;
production, productivity and income of rural poor farm households. Since access to institutional&lt;br&gt;
finance is very limited, the majority of the poor are forced to search financial services through&lt;br&gt;
informal channels so forced them to remain in the vicious circle of poverty. The study was sought&lt;br&gt;
to ascertain use of formal financial credit and factors that affect smallholder farmer&amp;rsquo;s access to&lt;br&gt;
formal credit. A multistage sampling method was employed to select ten out of thirty rural&lt;br&gt;
kebeles in BasonaWerana district and 422 farm households. Structured interview schedule was&lt;br&gt;
developed, pre-tested and used for collecting quantitative data for the study from the sampled&lt;br&gt;
household heads. Focus group discussion, and key informant interview were held to generate&lt;br&gt;
qualitative data. Descriptive statistics and logit model were used for analyzing quantitative data&lt;br&gt;
and the qualitative data was analyzed thematically. The output from the study indicates that 103&lt;br&gt;
(24.41%) of the sampled farm households were formal financial credit users, whereas the&lt;br&gt;
remaining (75.59%) were non-users. However, among the credit users 89(86.40%) reported as&lt;br&gt;
they were not satisfied with the credit amount. Farmers acknowledge group lending solves the&lt;br&gt;
problem of collateral requirement, but also mentioned as it has a sort of limitations in affecting&lt;br&gt;
the credit demand negatively. Moreover, the analysis using the logit model revealed that the&lt;br&gt;
demographic factors, age, sex and education status of the household heads, and majority of the&lt;br&gt;
institutional factors such as, lending procedure, interest rates, rigid repayment period and&lt;br&gt;
distance, as well attitude of household heads towards credit risk were the statistically significant&lt;br&gt;
determinants that affect smallholder farmers&amp;rsquo; access to formal financial credit&lt;/p&gt;</description>
  </descriptions>
</resource>