Non-Governmental Organization’s Agricultural Micro Credit Facilities and Farmer’s household Income in Benue State, Nigeria

Non-Governmental Organization’s Agricultural Micro Credit Facilities and Farmer’s household Income in Benue State, Nigeria

Author(s) by C. V. O. Eneji, E. Obim, J. E. Otu, S. O. Ogli
Pages 376-385
Keywords non- governmental organization, micro-credit facilities, farmer’s income, livelihoods and productivities.
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Abstract


The study was undertaken to investigate the Non- Governmental Organization’s Agricultural Micro-Credit Facilities on farmers’ income output in Benue State. Stage wise random sampling was adopted to select 220 respondents for the study. Information on respondents’ socio-economic characteristics as well as their income before and after the loan was sourced using questionnaire and Focus Group Discussion (FGD). A null hypothesis which stated that there is no significant difference between income of farmers before and after the loan facility, the hypothesis was tested using dependent t-test analysis while percentages were calculated in order to analyze other data. Socio-economic characteristics of the respondents revealed that majority (59.3%) were males and mostly youth of less than 50 years of age. Result of T-test analysis revealed a significant difference in beneficiaries’ income before and after the scheme at 0.05 significance level. This led to the rejection of the null hypothesis which stated that there is no significant difference in the income of beneficiaries before and after the scheme. The findings shows farmers’ income improved considerably after the loan, this has also contributed in improving the farmer’s livelihoods and quality of lives within these agrarian communities. Recommendations were made on the basis of the findings of the study, to encourage the provision of more loans to rural farmers and also to use middle men like the NGOs in the mobilization, disbursement and monitoring of the utilization of such facilities to improve farmer’s output in terms of income and productivities.

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