TABLE OF CONTENTS
DECLARATION
APPROVAL
.
ii
DEDICATION iii
ACKNOWLEDGMENTS iv
LIST OF ACRONYMS v
TABLE OF CONTENTS vi
LIST OF TABLES ix
LIST OF FIGURES x
LIST OF APPENDIX xi
ABSTRACT xii
CHAPTER ONE
INTRODUCTION
1 .0 Introduction
1.1 Background to the Study
I . I . I Historical Perspective
• 1 .2 Theoretical Perspective 3
1 .1 .3 Conceptual Perspective 3
1 .1 .4 Contextual Perspective 5
1.2 Statement of the Problem 5
1.3 Purpose of the Study 6
1.4 Specific Objectives 6
1 .5 Research Questions 7
1 .6 Research Hypotheses 7
1 .7 Scope of the Study 7
1 .7.1 Geographical Scope 7
1 .7.2 Content Scope 7
vi
1.7.3 Time Scope .8
1.8 Significance of the Study .8
1.9 Definition of Key Terms 8
CHAPTER TWO 11
LiTERATURE REVIEW 1 I
2.0 Introduction 11
2.1 Theoretical Review Ii
2.2 Conceptual Framework 13
2.3 Review of Related Literature 13
2.2.1 Access to Agricultural Credit and Agricultural Productivity 1 9
2.2.2 Level of Agricultural Productivity in relation to agricultural credit among Farmers
22
2.2.3 Relationship between Utilisation of Agricultural Credit and productivity among
farmers 27
2.3 Research Gap 29
CHAPTER THREE 31
METHODOLOGY 31
3.0 Introduction 31
3.1 Study Area 31
3.2 Topography 31
3.3 Research Design 32
3.4 Target Population of the study 32
3.5 Sample Size 32
3.6 Sampling Technique 32
3.7 Data Collection Procedure 33
3.8 Data Collection Instruments 33
VII
3.8.1 Validity of the Instrument. 33
3.8.2 Reliability of Instrument 34
3.9 Data Analysis Technique 34
3.9.1 Ethical Considerations 34
CHAPTER FOUR 35
DATA PRESENTATION, ANALYSIS AND INTERPRETATION 35
4.0 Introduction 35
4.1 Data Presentation and Analysis 35
CHAPTER FIVE 46
SUMMARY, CONCLUSION AND RECOMMENDATIONS 46
5.0 Introduction 46
5.2 Conclusion 47
5.3 Recommendations 49
5.4 Areas for further research 50
5.5 Contribution to Knowledge 50
5.5 Limitations of the Study 51
REFERENCES 52
APPENDICES 60
APPENDIX 1: RESEARCH QUESTIONNAIRE 60
APPENDIX 2: GWARZO LOCAL GOVERNMENT AREA MAP 65
ABSTRACT
This study focused on Credit and Agricultural Productivity among farmers in Gwarzo Local Government Area, of Kano State, Nigeria. The study was guided by the Structural Change Theory formulated by W .Arthur Lewis in 1950s. The study had the following as objectives to determine the relationship between access to agricultural credit and farmers productivity; to determine the level of agricultural productivity in relation to agricultural credit and to determine the relationship between utilisation of agricultural credit and the level of agricultural productivity among farmers in Gwarzo local government area of Kano State Nigeria. Besides, the study opted for a Descriptive survey design approach with a target Population of 1000 respondents consisting of 850 local farmers and 1 50 members of Farmers Association operating in the area. The sample size of 285 was obtained by using the S lovene’ s formula. Closed ended questionnaire, structured individual interview and focused group discussions were the instrument of data collection used. Data was analysed using Descriptive Statistics, Pearson Linear Correlation Coefficient as well as Content Analysis. Based on the findings from the study, it was revealed that, farm land are personally owned by the farmers. thus, leading to difficulties in harvesting the entire land due to unavailability of sufficient funding. Equally, it has been discovered that lack of access to agricultural credit has negative consequences on the level of productivity among farmers. In some instances where the farmers have access to the credit, it has been discovered that there is adequate utilisation of the facility. However, the study recommends that, there is the need for more intervention from a gricultural financial institutions to complement the ones currently in operation. It is also recommended that such agricultural financial institutions should have direct connection with the rural farmers for easy access, supervision and control of the facility for improved utilisation and increase in agricultural productivity among farmers.
