May 9, 2025 Journal article Open Access

DEREJE GIRMA EBA

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        <foaf:name>DEREJE GIRMA EBA</foaf:name>
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            <foaf:name>SALALE UNIVERSITY</foaf:name>
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    <dct:title>DETERMINANTS OF CREDIT REPAYMENT AND FERTILIZER USE BY MEMBERS OF COOPERATIVES: THE CASE OF GIRAR JARSO DISTRICT, NORTH SHEWA ZONE, OROMIA NATIONAL REGIONAL STATE, ETHIOPIA</dct:title>
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    <dct:issued rdf:datatype="http://www.w3.org/2001/XMLSchema#gYear">2025</dct:issued>
    <dct:issued rdf:datatype="http://www.w3.org/2001/XMLSchema#date">2025-05-09</dct:issued>
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    <dct:description>&lt;p&gt;The study was aimed to determine factors affecting credit repayment and fertilizer use by members of cooperatives in Girar-Jarso district, North Shewa Zone, Oromia Regional State, Ethiopia. For data collection techniques, a two-stage sampling method were employed to collect primary data from 150 randomly selected households from four multi-purpose cooperatives. A semi- structured questionnaire was employed to collect primary data for the credit years of 2021/2022 from the sample respondents. For data analysis both descriptive statistics, and econometric model were employed. An econometric model known as Tobit model was used to analyze factors affecting fertilizer credit repayment rate and multiple linear regression model was used to identify factors affecting fertilizer use. The study shows that from the total sample households 22.67% were defaulters while 77.33% were non-defaulters. The result of two-limit tobit regression model revealed that family size, on farm income, non farm income, total livestock ownership and saving were affecting fertilizer repayment rate positively and significantly at 5%, 1%, 1%, 10% and 5% significance level. respectively.Moreover, the result of multiple linear regression model showed that education level,family size,livestock owned, cultivated land affect fertilizer use significantky and positively at 5%,10%,1% and 1% respectively. Furthermore, age of the household affect fertilizer use significantly and negatively at 10% significance level. Finally, the study recommend expanding education, giving more attention on livestock raring,increasing awerness of household on non/off-farm income and encouraging saving service for the sampled household to improve fertilizer repayment and fertilizer use in the study area.&lt;/p&gt;</dct:description>
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