A comparative analysis of credit use and repayment performance of group and non-group women farmers under the community banking system in Enugu State




comparative analysis, credit use and repayment, performance, non-group women farmers


The study compared .the creclit use and rcpayrncnt performance of group and non-groups ,vomen farmers undcr the cornnrnnity hanking, system in Fnugu State. The spcci lie objectives inclucled to: clescribc the characleristics of the
women farmers and their use of credit, cletermine the fnctor that influence their I0ar1 repaymcnl performance, compare the creclit use and repaymenl · perfornwnce of group and non group women farrncrs, predict the credit risk position of the gî'oup and non-group wornen farrners and iclentify the problem faced by loan beneficiaries and bank officiais in· credit administration.
Multistagc random sampling technique was usecl in selecting respondents. The respondents used credit mainly for either crop or animal fanning. ln crop farming, they used creclit in a decreasing orcler, from buying of inputs, increasing the number of hectares unclcr cultivation, hiring of labour to storing of their products. On the other hancl, in animal farrning, the trend was in a decreasinf:.:.order from increasing stock, buying more drugs (medication) buying more têeds to hiring laboui·. Regression analysis for. group and non-group women former borrmvers con1l~incd showccl th,1t age, houschold size, net cash income group or non-group


Download data is not yet available.


Adams, D.W. and J.R. Ladman (1979). "Lending to the Rural Informai Groups, a Promising

Financial lnnovation". Dcvelopment 2.(2): 85 - 94.

Poor Through S_avings -. and

Adegeye, A.J. and J.S. Dittoh (1982). Essentials of Agricultural Economies.

CARD, University of Ibadan.

Arrah, E.E. ( 1992). "A Comparative Analysis of Women Group and lndividual Farmers in Manyu

Division. Cameroon". . An Unpublished M.Sc._ - Dissertation, Department of Agricultural

Economies, University o_ Nigèi-ta Nsukka.

Arenc, C.J. (l 99lf). Evaluation of the Performance of Superv"ised Agricultural Credit Scheme in

Anambra State, Nigeria. An Unpublished Ph.D Thesis, Department of Agricultural Economies,

University of Nigeria Nsukka.

( 1993). ''An Arnüysis of Loan Repayment Potentia!s of Smallholder Soyabean Group Farmers

in Nigeria". Quarterly Journal of International Agriculture 32(2), 160 - 169.

(1993). "Discriminant Analysis of Smallholder Potiltry Farmer Credit Administration and the

Prediction ofCorporate Bankruptcy in Rural Nigeria". Journal of Rural Development and

Administration :1(1): 29 - 37.

and E.M. Omoregie (1991). ''The Place of Women in Agr_icultural Labour Force in Nigeria".

Beitrtrop Lanclwirtsch. Vet. Med. 29(3J 272 - 282 ..

Aronofi: J. and W.D. Crano 91975). "A Re-examination of the Cross-cultural Principles of Task:

Segregation and Sex Role Differentiation in the Family". Amcrican Sociological Review 40: 12 --

Back,· K.W. (1951). "Influence Through Social Comimmication".· Journal of Abnormal and Social

Psycholo_gy 46: 9 - 23.

Bala., M.G. (1993).. "Ways of lncr'easing Farmers Crop Yield and Aclvice Against Unfovourable

Weather Condition". A paper presented at a two-day training course on Minimizing the E1Tects of

Drought in Crop Production, Dan Hassan, Kano..

Balogun, E.O. and M.F. Out (1991 ). "Creclit Policies and Agricultural Develorment in

Nigeria". Economie and Finai1cial Review. 29(2): 138 - · 155.

Baron, R.S., N.L. Kerr and N. Miller (1993). Group Process, Group Decision and Group Action.

Buckingham: Open University Press.

Barry, P.L., C.B. Baker and LR. Sanint (1981). "Farmer Ci.-êdit Risks and Liquidity Management".

Arnerican Journal of Agricultural Economies 63: 216 -- 227

Bauer, L.L. and J.P. Jordan ( 197 I ). ··A Statistical Technique for Classitying Loan Applicapons".

A Bulletin No. 76, 29- 35 University of Tennessee.

Berger, M/ (1989). "Giving Wornen Credit: The S Lrengths and Limitations of Credit as a Tool for

Alleviating Poverty". World Developrnent 11(7): 1917

- 1030.

Berthoud, r. and E. Kernpson (1992). Credit and Debt. London': Policy Studies lnstitute


Besley, T. (1994 ). "How Do Market Failures Justify Intervention in Rural Credit Markets?". The

World Bank Research Observer 2(1): 27-47.

Bhatt, V.V. (1988). "Financial Innovations and Credit Market Evolution". World l)cvelopment 16(2):

-· 282.

Bluberg, R.L. (1978). Stratification: Socioeconomic and Sexual IneqLtalitv.

Dubque: William Brown.


July 4, 2023

Details about this monograph

Physical Dimensions