Determinants of Access to Credit by Maize (Zea mays) Farmers in Southern Taraba, Taraba State, Nigeria
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134-145
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Oct 4, 2025
Digital Object Identifier:
10.58578/kijeit.v2i3.7543
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Authors:B. C. Asani1, U. H. Ukpe2, F. B Filli3
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Main Article Content
Abstract
This study investigates the determinants of access to credit among maize farmers in Southern Taraba, Taraba State, Nigeria. The specific objectives were to identify the constraints hindering credit acquisition and to assess the key factors influencing farmers’ access to credit. A multi-stage sampling procedure was employed to collect primary data from 180 respondents using structured questionnaires. Data analysis involved both descriptive and inferential statistical methods. The findings revealed that major constraints to credit access included complex application procedures, high interest rates, lack of collateral, short repayment periods, delayed fund disbursement, and limited awareness of available credit sources. Key determinants influencing access to credit were identified as ownership of collateral, marital status, income level, farm size, and age. Based on these findings, the study recommends that policymakers prioritize improving rural farmers’ access to information, extension services, and agricultural insurance to address demand-side barriers. Additionally, institutional capacity building for both lenders and borrowers should be integrated into all credit programs to enhance credit uptake, increase agricultural productivity, and improve farmer incomes. Credit policy interventions should be tailored to the specific needs and constraints of farming households.
Article Details
How to Cite
Asani, B. C., Ukpe, U. H., & Filli, F. B. (2025). Determinants of Access to Credit by Maize (Zea mays) Farmers in Southern Taraba, Taraba State, Nigeria. Kwaghe International Journal of Engineering and Information Technology, 2(3), 134-145. https://doi.org/10.58578/kijeit.v2i3.7543
References
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Ozoh, J.N. Nwogwugwu, U.C., Nwokoye, E.S and Metu, A.G (2022). Impact of access to credit on household welfare in Nigeria. International Journal of Management Studies and social sciences Research vol. 4, p 187 – 197
Rahman, Z., Islam, M.J., Mahmuda, S. and Hossain, M.E (2022) Factors influencing farmers’ access to formal credit market in Naogaon District of Bangladesh: An empirical Analysis European Journal of Business and Management research. Doi:10.24018/ejbmr.2022.7.5.1593
Rukwe, D. T., Abdullahi, Y. M., Faruk, A. U., & Nweze, U. (2019). The effects of farmers-herders conflict on farming households in Southern Taraba State, Nigeria. South Asian Research Journal of Agriculture and Fisheries, 1(3), 106-111
Saqib, S.E., Kuwarnu, J.K., Panenia, S., and Ali, U. (2018) Factors determining subsistence farmers access to agricultural credit in flood-prone areas of Pakistan kasetsart. Journal of Social sciences, 39(2), 262 – 268
Sasu, D. D. (2023). Contribution of Agriculture to GDP in Nigeria 2019 – 2021. Statistica.
Simonyan, J.B., Akpan, A.J and Amusa, T.A (2019) Factors influencing Access to credit among smallholder farmers of selected Agricultural commodities in Akwa Ibom State, Nigeria Journal of Agriculture and food environment. Volume 6(4): 61 – 75
Ukuaba, I.C., Owutuamor, Z.B and ogbu, C.C (2020) Assessment of Agricultural credit sources and accessibility in Nigeria. Review of Agricultural and Applied Economics 23(2) 03 – 11
World Bank. (2019). (data retrieved from The Global FINDEX Database. https://globalfindex .worldbank.org/)
Ademiluyi, I.O (2014) Determinants of smallholder farmers welfare in Plateau state, Nigeria. International Journal of innovative Agriculture & Biology Research 2(4): 11 – 16
Adesoji, A.G., Abubakar, I. U and Labe, D.A (2016). Economic performance of Maize under imported legumes and nitrogen in northern guinea savanna zone of Nigeria. Asian J. Agric. Res 2016; 10: 38 – 46
Ajah, E.A., Igiri, J.A and Ekpenyong, H.B (2017). Determinants of Access to Credit among rice farmers in Biase Local Government Area of Cross River State, Nigeria. Global journal of Agricultural sciences Vol. 16, pp 43 – 5
Ajayi C.O, Ajayi, J.O, Ayo-Bello, T.A and Oluwawehinmi, T.A (2017). Determinants of credit Access among small scale maize farmers in Akure south Local Government, Ondo State Nigeria. Conference of the 18th Annual National conference of the Nigerian Agricultural Economics Held at Federal University of Agriculture, Abeokuta, Nigeria 16th – 19th October, 2017
Akporawo, S.. Peter, O.E and Onyeidu, S.O (2022). Effects of agricultural credits on production among small holder crop farers in Delta State. World Journal of Advanced Research and Reviews 16(2), 437 – 48
Aladebeji, O.J., Omolehim, R.A and Ajiniran, M.E (2018). Determinants of credit Acquisition and Utilization among Household farmers in Drive towards sustainable output in Ekiti State, Nigeria. International journal of sustainable Development
Alhassan, H., Abu, B.M and Nkege, P.K (2020) Access to credit, farm productivity and market participation in Ghana: A conditional mixed process approach. Margin-the journal of applied economic Research, 14(2):226 – 46
Amanullah, Ghalam, R.L, Siral, A.C, Habibullah, M., Mansoor, A.K, Jing, W. and Nasir, A.C (2020). Credit constraints and Rural farmers’ welfare in an agrarian economy. Heliyon 6(2010)e05252
Asogwa, B.C, Abu, O., and Ocheche, G.E (2014). Analysis of Peasant farmers’ access to agricultural credit in Benue State, Nigeria. British Journal of Economics Management and Trade 4(10):1525-1543
Atamja, L., and Yoo, S., (2021). Credit constraints and Rural Household welfare in the Mezam division of the north-west region of Cameroon sustainability, 13(5964). Doi: https://doi.org/10.3390/su13115964
Balana, B.B., Oyeyemi, M.A., Ogunniyi, A.I., Fasoranti, A., Eded H., Aiki, J., and Andam, K.S. (2021). The effect of COVID-19 policies on livelihoods and food security of smallholders’ farm households in Nigeria: descriptive results from a phone survey, vol. 1979. International food policy Research institute
Balana, B.B and Oyeyemi, M.A (2022) Agricultural credit constraint in smallholder farming in developing countries: Evidence from Nigeria. World Development Sustainability 1
Central Bank of Nigeria (CBN )(2015). National financial inclusion strategy. 2015 annual report Abuja Nigeria: Central Bank of Nigeria
Chandio, A.A., Jiang, Y., Gessessc, A.T and Dunya, R. (2017). The nexus of Agricultural credit farm size and technical efficiency in Sindh, Pakistan: A stochastic frontier approach. Journal of the Saudi Society of Agricultural Science: in the press. https://doi.org/10/1016/jssas.2017.11.001
Daemane, T. and Muroyiwa, B. (2022). Factors influencing credit access of rural small – scale farmers in Lesotho: Evidence from Maize farmers in Masianokeng. World Journal of Advanced Research and Reviews 15(01), 757 – 768
Danladi, B., Olayiwola, S.A and Gizaki, J. L (2024) Effect of Livelihood Diversification and Technology Adoption on Food Security Statusof Rice Farming Household in Southern Taraba,Taraba State Nigeria. IPHO-Journal of Advance Researchin Agriculture and Environmental Science. Vol.2, pg: 1- 8
Diagne, A. and Zeller, M. (2016). “Access to Credit and its Impact on Welfare in Malawi”. Research Report No. 116. International Food Research Institute. Washington, D.C
Elias, S., Isah, M. and Patil, B.L (2015). The small and marginal farmers’ in Dharward district Karnataka, India. University of Agricultural science Dharward Karnanataka, India
Elum, Z.A and Obiajunwa, U (2022) Analysis of Institutional credit accessibility among small holder poultry farmers in Rivers state, Nigeria. Journal of Development and Agricultural Economics Vol. 14(2) pp. 30 – 40 Doi:105897/JDAE2022.1329
Etim, N.A.A., and Edet, G.E., (2021). Measuring the impact of credit on the welfare of rural farmers in Akwa Ibom State, Nigeria. Journal La Bisecoman Vol. 02, Issue 01 (032 - 038)
Fakorede, M., Apraku, M.A., Ouedraogo, R.J and Menkir, A. (2013). Maize revolution in west and central Africa. First edition West and Central Africa Maize Research Network publishers pp. 3 – 31
Ibrahim, S.S and Aliero, H.M (2012). Analysis of farmers access to formal credit in the rural areas of Nigeria. African Journal of Agricultural Research 7(47): 6249 – 6253
Jan, I., Khan, S., Khan, N. P and Ashfag, M., (2017). “Effects of micro-credit programme of Khushali Bank limited on agricultural productivity in District Mardan, Pakistan” Sarhad Journal of Agriculture, Vol.33 No. 4, pp 688 – 693
Macauley, H. and Ramadjita, T. (2015). Cereal Crops – Rice, Maize, millet, sorghum, and wheat. Abdou Diouf international, Daker Senegal, October 21 – 23, 2015
Manja, L. P., and Badjie, I. A. (2022): The Welfare Effects of Formal and Informal Financial Access in the Gambia: A Comparative Assessment.journals.sagepub.com/home/sg:1–19. DOI:10.1177/21582440221081111
National Population Commission Abuja, Nigeria (2006).The 2006 population census official gazzete, vol.94(24)
Ndanitsa, M.A., Adetunji, A.O., Mohammed, D. and Ndako, N. (2021). Effects of Agricultural Delivery on income of Arable crop farmers in Niger State of Nigeria. Journal of Agripreneurship and sustainable Development (JASD) volume 4, number 1
Olomola, A.S and Yaro, M. (2015). Commercial Banks’ response to government’s financial stimulus for improved Agricultural financing in Nigeria. MSSP working paper 28. Washington DC: International Food policy Research Institute (IFPRI)
Osunmakinde, M. A., Idowu, A. O., Akerele, E. O. and Okwor , P(2024) Effect of Credit Access on Rural Household Welfare in Ogun State, Nigeria. Nigerian Journal of Horticultural Science. Vol. 28(1) pg:136-144
Osundare, F.O. Socioeconomic study of maize farmers under different production technologies in south west Nigeria. Int J. Agric. Technol. 2013; 9(5): 1069 – 1080 (Google Scholar)
Ozoh, J.N. Nwogwugwu, U.C., Nwokoye, E.S and Metu, A.G (2022). Impact of access to credit on household welfare in Nigeria. International Journal of Management Studies and social sciences Research vol. 4, p 187 – 197
Rahman, Z., Islam, M.J., Mahmuda, S. and Hossain, M.E (2022) Factors influencing farmers’ access to formal credit market in Naogaon District of Bangladesh: An empirical Analysis European Journal of Business and Management research. Doi:10.24018/ejbmr.2022.7.5.1593
Rukwe, D. T., Abdullahi, Y. M., Faruk, A. U., & Nweze, U. (2019). The effects of farmers-herders conflict on farming households in Southern Taraba State, Nigeria. South Asian Research Journal of Agriculture and Fisheries, 1(3), 106-111
Saqib, S.E., Kuwarnu, J.K., Panenia, S., and Ali, U. (2018) Factors determining subsistence farmers access to agricultural credit in flood-prone areas of Pakistan kasetsart. Journal of Social sciences, 39(2), 262 – 268
Sasu, D. D. (2023). Contribution of Agriculture to GDP in Nigeria 2019 – 2021. Statistica.
Simonyan, J.B., Akpan, A.J and Amusa, T.A (2019) Factors influencing Access to credit among smallholder farmers of selected Agricultural commodities in Akwa Ibom State, Nigeria Journal of Agriculture and food environment. Volume 6(4): 61 – 75
Ukuaba, I.C., Owutuamor, Z.B and ogbu, C.C (2020) Assessment of Agricultural credit sources and accessibility in Nigeria. Review of Agricultural and Applied Economics 23(2) 03 – 11
World Bank. (2019). (data retrieved from The Global FINDEX Database. https://globalfindex .worldbank.org/)