当前位置: X-MOL 学术Agricultural Finance Review › 论文详情
Our official English website, www.x-mol.net, welcomes your feedback! (Note: you will need to create a separate account there.)
Examining the penetration of financial inclusion in the agricultural sector: evidence from small-scale farmers in Enugu State, Nigeria
Agricultural Finance Review Pub Date : 2021-03-30 , DOI: 10.1108/afr-05-2020-0074
Ambrose Nnaemeka Omeje , Augustine Jideofor Mba , Michael Okike Ugwu , Joseph Amuka , Perpetual Ngozi Agamah

Purpose

The study examined the penetration of financial inclusion in the agricultural sector, using small-scale farmers in Enugu State, Nigeria, as evidence.

Design/methodology/approach

The study utilized survey data generated from 425 questionnaires administered to small-scale farmers in both rural and urban locations in Enugu State. The study applied the adequacy gap, timeliness gap and penetration gap indices to measure the penetration of financial inclusion among the small-scale farmers in Enugu State.

Findings

It was found that different lending agencies, except for some cooperative societies, were unable to meet the credit needs of small-scale farmers in Enugu State as shown by the adequacy gap index. The timeliness gap index revealed the existence of time gap in the credit receipt of small-scale farmers given that agriculture is rain-fed in Enugu. The penetration gap index indicated that there is gap in the penetration of agricultural credit grants to small-scale farmers in Enugu State, showing a shallow penetration of financial inclusion in agricultural sector.

Research limitations/implications

The research is limited in scope as a result of data and the desire to study small-scale farmers in Enugu State, Nigeria.

Practical implications

The study recommended among others that government should encourage cooperatives more to meet credit needs of farmers in order to raise the level of financial inclusion penetration.

Originality/value

To the best of the authors' knowledge, this is the only study that examines the penetration of financial inclusion among small-scale farmers in Enugu State, Nigeria. This study contributes to the growing literature on financial inclusion in the agricultural sector as there is dearth of literature in this study area.



中文翻译:

检查金融普惠在农业部门的渗透:来自尼日利亚埃努古州小农的证据

目的

该研究以尼日利亚埃努古州的小农为证据,考察了金融包容性在农业部门的渗透情况。

设计/方法/方法

该研究利用了对埃努古州农村和城市地区的小农进行的 425 份问卷调查产生的调查数据。该研究应用充分性差距、及时性差距和渗透差距指数来衡量普惠金融在埃努古州小农中的渗透率。

发现

研究发现,除一些合作社外,不同的贷款机构无法满足埃努古州小农的信贷需求,如充足差距指数所示。及时性差距指数显示,鉴于埃努古的农业是雨养的,小农的信贷收据存在时间差距。渗透差距指数表明,埃努古州农业信贷对小农的渗透率存在差距,表明普惠金融在农业领域的渗透率较低。

研究限制/影响

由于数据和研究尼日利亚埃努古州小农的愿望,该研究的范围有限。

实际影响

该研究建议,政府应更多地鼓励合作社满足农民的信贷需求,以提高普惠金融的渗透水平。

原创性/价值

据作者所知,这是唯一一项研究普惠金融在尼日利亚埃努古州小农中的渗透情况。由于该研究领域缺乏文献,这项研究有助于增加农业部门金融包容性的文献。

更新日期:2021-03-30
down
wechat
bug