- Title
- Smallholder farmers’ access to credit in the Amathole District Municipality, Eastern Cape Province, South Africa
- Creator
- Baiyegunhi, Lloyd J S
- Creator
- Fraser, Gavin C G
- Date Issued
- 2014
- Date
- 2014
- Type
- text
- Type
- article
- Identifier
- http://hdl.handle.net/10962/69351
- Identifier
- vital:29503
- Identifier
- https://jarts.info/index.php/jarts/article/view/2014121946870/814
- Description
- Provision of credit has being identified as an important instrument for improving the welfare of smallholder farmers directly and for enhancing productive capacity through financing investment by the farmers in their human and physical capital. This study investigated the individual and household characteristics that influence credit market access in Amathole District Municipality, Eastern Cape Province, South Africa, using a cross sectional data from smallholder farmers’ household survey. The aim is to provide a better understanding of the households’ level socio-economic characteristics, not only because they influence household’s demand for credit but also due to the fact that potential lenders are most likely to base their assessment of borrowers’ creditworthiness on such characteristics. The results of the logistic regression suggest that credit market access was significantly influenced by variables such as gender, education, households’ income, value of assets, savings, dependency ratio, repayment capacity and social capital. Implications for rural credit delivery are discussed.
- Format
- 11 pages
- Format
- Language
- English
- Relation
- Journal of Agriculture and Rural Development in the Tropics and Subtropics (JARTS)
- Relation
- Baiyegunhi, L.J.S. and Fraser, G.C., 2014. Smallholder farmers’ access to credit in the Amathole District Municipality, Eastern Cape Province, South Africa. Journal of Agriculture and Rural Development in the Tropics and Subtropics (JARTS), 115(2), pp.79-89.
- Relation
- Journal of Agriculture and Rural Development in the Tropics and Subtropics (JARTS) volume 115 number 2 79 89 January 2003 1612-9830
- Rights
- author
- Rights
- Use of this resource is governed by the terms and conditions of the Journal of Agriculture and Rural Development in the Tropics and Subtropics (JARTS Open Access Policy (https://jarts.info/index.php/jarts/about/editorialPolicies#openAccessPolicy)
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Fraser, Gavin (Prof)
RU Department of Economics and Economic History
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