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ESTIMATION OF LOAN DEFAULT AMONG BENEFICIARIES OF A STATE GOVERNMENT OWNED AGRICULTURAL LOAN SCHEME, NIGERIA

Edet J. UDOH ; Department of Agricultural Economics and Extension, University of Uyo, Uyo, Akwa Ibom State, Nigeria

Puni tekst: engleski, pdf (433 KB) str. 343-352 preuzimanja: 1.526* citiraj
APA 6th Edition
UDOH, E.J. (2008). ESTIMATION OF LOAN DEFAULT AMONG BENEFICIARIES OF A STATE GOVERNMENT OWNED AGRICULTURAL LOAN SCHEME, NIGERIA. Journal of Central European Agriculture, 9 (2), 343-352. Preuzeto s https://hrcak.srce.hr/27356
MLA 8th Edition
UDOH, Edet J.. "ESTIMATION OF LOAN DEFAULT AMONG BENEFICIARIES OF A STATE GOVERNMENT OWNED AGRICULTURAL LOAN SCHEME, NIGERIA." Journal of Central European Agriculture, vol. 9, br. 2, 2008, str. 343-352. https://hrcak.srce.hr/27356. Citirano 18.10.2021.
Chicago 17th Edition
UDOH, Edet J.. "ESTIMATION OF LOAN DEFAULT AMONG BENEFICIARIES OF A STATE GOVERNMENT OWNED AGRICULTURAL LOAN SCHEME, NIGERIA." Journal of Central European Agriculture 9, br. 2 (2008): 343-352. https://hrcak.srce.hr/27356
Harvard
UDOH, E.J. (2008). 'ESTIMATION OF LOAN DEFAULT AMONG BENEFICIARIES OF A STATE GOVERNMENT OWNED AGRICULTURAL LOAN SCHEME, NIGERIA', Journal of Central European Agriculture, 9(2), str. 343-352. Preuzeto s: https://hrcak.srce.hr/27356 (Datum pristupa: 18.10.2021.)
Vancouver
UDOH EJ. ESTIMATION OF LOAN DEFAULT AMONG BENEFICIARIES OF A STATE GOVERNMENT OWNED AGRICULTURAL LOAN SCHEME, NIGERIA. Journal of Central European Agriculture [Internet]. 2008 [pristupljeno 18.10.2021.];9(2):343-352. Dostupno na: https://hrcak.srce.hr/27356
IEEE
E.J. UDOH, "ESTIMATION OF LOAN DEFAULT AMONG BENEFICIARIES OF A STATE GOVERNMENT OWNED AGRICULTURAL LOAN SCHEME, NIGERIA", Journal of Central European Agriculture, vol.9, br. 2, str. 343-352, 2008. [Online]. Dostupno na: https://hrcak.srce.hr/27356. [Citirano: 18.10.2021.]

Sažetak
This paper analyses the extent of default among beneficiaries of government sponsored loan scheme. The loan performance indices estimated reveal that over 75% of the loans disbursed by AKSALB in the period under review were still held by 59 percent of the loan beneficiaries. This situation is an indication of high level of loan defaulting among the benefiting farmers. Certain personal and facility factors are estimated to determine the probability of default among the beneficiaries. Notably among these include sex, household size, farm size, loan from other sources, primary occupation of the beneficiary, time lapse between loan application and disbursement, total farm expenditure and duration of the granted loans. With such high level of default, the Board outreach and sustainability capacity is questionable thus putting a caveat on the relevance of the Board as agricultural micro financing institution.

Ključne riječi
Loan Default; Agricultural loan scheme; determinants; farmers; Nigeria

Hrčak ID: 27356

URI
https://hrcak.srce.hr/27356

Posjeta: 1.915 *