Analysis of Credit Facilities of Small Scale Farmers (A Study Of Small-Scale Farmers In Bende Local Government Area Of Abia Sate)

ABSTRACT  Inadequate support in terms of credit facilities from government and financial institution has been identified as one of the major problem affecting farming operation particularly that of the small scale farmers in Nigeria. This study analyzed the impact of credit facilities to the operation of small scale farms in Nigeria using BENDE Local Government as a case study. Questionnaires were used to source the data used in carrying out this research. The research design employed for this study was a descriptive survey design, in order to achieve an accurate representation of the entire population. The study makes use of simple random sampling technique as the method of data analysis. However, one strong outcome of this study is that the poor state of credit facilities to small scale farmers in Nigeria has drastically affected farming operation, thus, reduction in agricultural output, leading to importation of Agricultural product. Credit facilities therefore plays a crucial role in the operation of small scale farming, this ensures the derived output which sustain the growth and development of the economy.  TABLE OF CONTENT 

Title Page -----------i 
Approval Page ----------ii 
Dedication - ----------iii 
Acknowledgement - ---------iv 
Abstract -----------vi 
Table of Content - ---------vii 
Chapter One 
1.0 Introduction - ---------1 
1.1 Background of the Study- -------1 
1.2 Statement of Problem --------3 
1.3 Objective of the Study --------4 
1.4 Statement of Hypothesis - -------4 
1.5 Scope of the Study - --------5 
1.6 Justification of Study --------5 

1.7 Organisation of Study --------6 
Chapter Two 

Literature Review 
2.0 Introduction - ---------7 
2.1 Conceptual Issues - --------9 
2.2 Overview of Credit Scheme to Farmers in Nigeria - ---9 
2.3 Empirical Literature Review -------44 
2.4 Conclusion - ---------45 
Chapter Three 
3.0 Research Methodology - -------47 
3.1 Introduction - ---------47 
3.2 Research Design - --------47 
3.3 The Research Population - -------48 
3.4 Sampling Frame and Sampling Unit - -----48 
3.5 Sampling Method - --------49 
3.6 Sample Size - --- --- ----- -49 
3.7 Method of Data Collection -------49 
3.8 Method of Data Analysis - -------49 
Chapter Four 
Results and Discussion of Findings 
4.0 Introduction - -------51 
4.1 Demographic Data - -------51 
4.2 Presentation of Selected Variable Based on Descriptive Statistics 55 
4.3 Research hypothesis -------61 
Chapter Five 
Summary, Conclusion and Recommendation 
5.1 Summary ---------64 
5.2 Conclusion ---------65 
5.3 Recommendation --------65 
Bibliography ----------6 8 
Journals -----------71 
Questionnaire --- --------7 3