Loan Repayment and Its Implication on Agricultural Financing in Ghana-The Case of MiDA Agriculture Program
محورهای موضوعی : Farm Management
ماکسول آمدی
1
(
World Vision International, Ghana
)
موسس دوماییری
2
(
گروه بانکی و دارایی، دانشکده تجارت و حقوق، دانشگاه مطالعات توسعه، غنا
)
عبدالرشید محمد
3
(
دانشگاه مطالعات توسعه، غنا
)
کلید واژه: Rice Farmers, Agricultural financing, Loan repayment, MiDA, Tobit Regression Model,
چکیده مقاله :
The study investigated performance of loan repayment among rice farmers under the MiDA agricultural credit programme in the Hohoe Municipality. Primary data was collected from 120 farmers from four beneficiary towns while secondary data was gathered from literatures and various actors. Multistage random sampling technique was used to select the respondents. Obtained data were analyzed using t-test, Tobit regression model.Results from t-test showed statistically significant difference (p < 0.001) between the amount of loan applied for and the amount received by farmers.Out of the ten explanatory variables included in the Tobit regression model, five were significant. Significant factors (p < 0.001) include: sex, household size, group size, value of output and timeliness of loan disbursement.
در این مطالعه به عملکرد بازپرداخت وام در میان شالیکاران تحت برنامة اعتبار کشاورزی MiDA در منطقة شهری هوهوی پرداخته شده است. داده‌های اصلی از 120 کشاورز در چهار شهر ذینفع جمع‌آوری شدند درحالی‌که برای جمع‌آوری داده‌های ثانویه از منابع و بازیگران مختلف استفاده شد. پاسخ‌دهنده‌ها ازطریق تکنیک نمونه‌گیری تصادفی چندمرحله‌ای انتخاب شدند. داده‌ها توسط آزمون تی و مدل رگرسیون توبیت تحلیل شدند. نتایج آزمون تی نشان داد که مقدار وام درخواستی و مقدار وام دریافتی کشاورزان تفاوت معنی‌داری (p < 0.001) داشتند. از بین 10 متغیر توضیحی که در مدل رگرسیون توبیت لحاظ شدند، پنج متغیر معنی‌دار بودند. عوامل معنی‌دار (p < 0.001) عبارت بودند از جنسیت، تعداد اعضای خانوار، تعداد اعضای گروه، مقدار خروجی و به‌موقع بودن زمان پرداخت وام.
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