Salient approaches for accessing credit to small scale farmers: a case of diffusion of tc Banana in arumeru District through a micro-credit scheme
| dc.contributor.author | MWAMBOLA, Francis Staford | |
| dc.date.accessioned | 2025-05-26T09:05:46Z | |
| dc.date.available | 2025-05-26T09:05:46Z | |
| dc.date.issued | 2008 | |
| dc.description.abstract | Using survey data as well as secondary information, this study was set out to review the operational mechanism of Diffusion of TC banana in Arumeru District through Micro credit scheme, with the view to assess the approaches, strategies and performance in accessing credit to smallholder farmers. It aimed at providing useful information to aid decision making process and enhancement of access to credit by the majority of small- scale producers. The study also aimed at determining factors that influence accessibility to formal credit by the small scale farmers and micro-enterprises. The study wanted to establish the empirical evidences on the links between credit use and poverty alleviation. It also attempted to make assessment of the impact of the credit on income and improvement of standard of living of tire credit users. In collecting the primary data, questionnaires were administered to 45 randomly selected households in four villages namely Mbuguni, Kilanyi, Valeska, and Poli. Collected data was analyzed into mean, frequency distributions and percentages. Gross margin and cost- benefit analysis were used to determine and measure the economic potentiality and impact of the scheme to the beneficiaries. Generally, the performance of the micro- credit programme was encouraging. The empirical evidence of the study indicates that the average gross margin/annum was TSh 532,905.- Benefit cost ratio, Net present Value (NPV) and Internal Rate of Return were 2.5, 2633685 and 94% respectively. These calculated indicators postulate a positive investment potential. The findings revealed that group lending approach is indispensable for lending small holder farmers and credit facilities must be central to any poverty reduction strategies. The approaches used for accessing credit was effective in reduction of lending transaction costs and had immediate impact in improving the standard of living of people in the focal | |
| dc.identifier.uri | https://www.suaire.sua.ac.tz/handle/123456789/6746 | |
| dc.language.iso | en | |
| dc.publisher | Sokoine University of Agriculture | |
| dc.subject | Credit to small scale | |
| dc.subject | Salient approaches | |
| dc.subject | Small scale farm | |
| dc.title | Salient approaches for accessing credit to small scale farmers: a case of diffusion of tc Banana in arumeru District through a micro-credit scheme | |
| dc.type | Thesis |