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- W117923088 abstract "Availability of credit has been identified as a major constraint to agricultural deve lopment in peasant economies. Small-scale farmers dominate the agricultural sectors of these countries. Whilst there are often considerable opportunities to increase pro duction and farm incomes by adopting new technology this potential can only be rea lized if farmers can gain access to funds to finance the additional inputs that are inva riably required. All to frequently small-scale farmers have insufficient savings to finan ce the investment in additional inputs. Under these circumstances the obvious solu tion for farmers is to borrow against the improved returns they expect to achieve by adopting improved technology. Unfortunately, the desired credit is not available. This is largely because institutional lenders are reluctant to advance credit to a sector where historically there is a high incidence of default. In part this can be attributed to the dependence of agricultural production on nature and the high covariance of risk from adverse weather and the incidence of disease between producers in any given location. The failure to realize the potential increase in agricultural production has for ced the Nigerian government to introduce programmes to address the problem of risk in small-scale farming. The government has introduced two programmes. The first one is the Agricultural Credit Guarantee Scheme Fund that guarantees bank loans against defaults not arising from adverse natural occurrences, and the second is a subsidized insurance scheme (Nigerian Agricultural Insurance Scheme) that insures bank loans against the occurrence of risks of nature that can cause loan default. However, in spite of these programmes the banks still appear reluctant to lend to the farm sector. This paper examines changes in bank lending to the farm sector before and since the inception of the subsidised credit insurance in Nigeria. It also identifies the pattern of bank lending to different agricultural sub-sectors. The findings from the study sug gest that there is the need for the government to review its policy of underwriting loans as an instrument to encourage increased bank lending to small-scale farmers." @default.
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- W117923088 date "2003-01-01" @default.
- W117923088 modified "2023-09-27" @default.
- W117923088 title "Beyond the Risk Factor: Bank Lending to Small-Scale Peasant Farms in Nigeria" @default.
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