@article{Vincent:197931,
      recid = {197931},
      author = {Vincent, Ng’eno and Muiruri, Erick Jotham and Nyangweso,  Philiph Mulama and Langat, B. K. and Kipsat, Mary  Jepkemboi},
      title = {Farmers Inaccessibility to Agricultural Credit in  Nyandarua District, Kenya},
      journal = {Asian Journal of Agriculture and Rural Development},
      address = {2011-12},
      number = {393-2016-23904},
      series = {5-AJARD-64-68},
      pages = {6},
      year = {2011},
      abstract = {Smallholder farmers face various challenges in production  one of them being
inaccessibility to credit. This study  specifically sought to identify household
socio-economic  characteristics and institutional requirements  influencing
access to credit among smallholder farmers in  Nyandarua District. The study
used a Logit model. Both  quantitative and qualitative data were acquired  from
primary and secondary sources. Primary data was  collected using
questionnaires through a survey design. A  sample of 264 smallholder farmers
was selected using  stratified, multi-stage random sampling techniques.  Data
was analyzed using descriptive statistics and  regression analysis using
Statistical Package for Social  Sciences (SPSS). The study established that
socio-economic  constraints such as age, gender, household size, farm  income,
collateral and awareness are critical determinants  of access to credit. The study
concludes that household  socio-economic characteristics do influence access  to
credit. Key recommendations made include the need by  government to deal
with bureaucracies involved in land  registration to benefit majority of
smallholder farmers who  remain insecure in the land they use without proof  of
ownership and also to make easier the registration of  lease certificates for those
who do not own land and use  land on leasehold tenure system. Financial
institutions  should also put in place less stringent credit requirements  and
reduce credit costs especially interest rates to make  credit more affordable.},
      url = {http://ageconsearch.umn.edu/record/197931},
      doi = {https://doi.org/10.22004/ag.econ.197931},
}