Access and usage of formal financial services among small-scale cassava farmers for productivity in Enugu state, Nigeria.

Öz

Purpose: Access to financial resources has been identified as one of the ways of boosting farm output, and this can be achieved through improving access to and usage of formal financial services. The study thus evaluated the effects of financial inclusion on cassava production among small-scale farmers in Enugu state, Nigeria. Methodology: A multi-stage sampling technique was employed in the selection of 162 cassava farmers in Enugu State. The data collected were analyzed using descriptive statistics, multiple regression analysis, and Likert scale rating Technique. Finding: Empirical results showed that the average of all respondents who participated in the survey was 43 years and 62.35% of the total respondents were males. Additionally, the result showed mean household size (4.75), mean years of cassava farming experience (5.86 years), and mean farm size (0.45 hectares). The majority (88.30%) of the farmers had access to a formal financial institution and the average amount saved in the last 12 months was ₦162,154.32. The multiple regression analysis showed that socioeconomic characteristics influencing cassava output are household, farming experience, farm size, farm income, and input cost. Additionally, financial inclusion positively influenced cassava output through access to formal financial institutions and level of savings. Originality: The findings revealed the positive effect access and usage of formal financial services have on the economy. Therefore, the study recommends that farmers be encouraged to improve their usage of formal financial services such as improving their savings levels at banks and banks to reduce charges on formal financial services.

Anahtar Kelimeler

• financial inclusion
• small-scale farmers
• cassava production
• access to formal finance
• barriers to formal finance

Etik Beyan

Ethical approval was waived for the study. The study did not involve any harm to the survey participants and consent was obtained from the survey participants before administering the questionnaire

Nijerya'nin Enugu eyaletinde verimlilik için küçük ölçekli manyok çiftçilerinde resmi finansal hizmetlere erişim ve kullanımı.

Öz

Amaç: Finansal kaynaklara erişim çiftlik üretimini artırmanın yollarından biri olarak tanımlanmıştır ve bu, resmi finansal hizmetlere erişimi ve kullanımını iyileştirerek elde edilebilir. Bu nedenle çalışma, Nijerya'nın Enugu eyaletindeki küçük ölçekli çiftçiler arasında finansal katılımın manyok üretimi üzerindeki etkilerini değerlendirmiştir. Metodoloji: Enugu Eyaletindeki 162 manyok çiftçisinin seçiminde çok aşamalı bir örnekleme tekniği kullanıldı. Toplanan veriler tanımlayıcı istatistikler, çoklu regresyon analizi ve Likert ölçeği derecelendirme tekniği kullanılarak analiz edildi. Bulgular: Ampirik sonuçlar, ankete katılan tüm katılımcıların ortalamasının 43 yaşında olduğunu ve toplam katılımcıların %62,35'inin erkek olduğunu gösterdi.. Ek olarak, sonuç ortalama hane halkı büyüklüğünü (4,75), ortalama manyok çiftçiliği deneyimini (5,86 yıl) ve ortalama çiftlik büyüklüğünü (0,45 hektar) gösterdi. Çiftçilerin çoğunluğu (%88,30) resmi bir finans kuruluşuna erişebiliyordu ve son 12 ayda ortalama tasarruf edilen miktar ₦162.154,32 idi. Çoklu regresyon analizi, manyok üretimini etkileyen sosyoekonomik özelliklerin hane halkı, çiftçilik deneyimi, çiftlik büyüklüğü, çiftlik geliri ve girdi maliyeti olduğunu gösterdi. Ek olarak, finansal katılım resmi finans kuruluşlarına erişim ve tasarruf düzeyi yoluyla manyok üretimini olumlu yönde etkiledi. Özgünlük: Bulgular, resmi finansal hizmetlere erişimin ve kullanımının ekonomi üzerinde olumlu bir etkiye sahip olduğunu ortaya koydu. Bu nedenle, çalışma çiftçilerin bankalardaki tasarruf seviyelerini artırmak ve bankaların resmi finansal hizmetlerdeki ücretleri azaltmak gibi resmi finansal hizmetlerin kullanımını iyileştirmeleri için teşvik edilmelerini önermektedir.

Anahtar Kelimeler

• finansal katılım
• küçük ölçekli çiftçiler
• manyok üretimi
• resmi finansmana erişim
• resmi finansmanın önündeki engeller

Etik Beyan

Çalışma için etik onaydan feragat edildi. Araştırmada anket katılımcılarına herhangi bir zarar verilmemiş olup, anket uygulanmadan önce anket katılımcılarından onam alınmıştır.

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