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Comparative Determinants of Productivity among Cassava Farmer-Beneficiaries and Non-Beneficiaries of Microfinance Institutions (MFIs) in Abia State Nigeria

Obike, Kingsley Chukwuemeka and Osundu, Charles Kelechi (2013): Comparative Determinants of Productivity among Cassava Farmer-Beneficiaries and Non-Beneficiaries of Microfinance Institutions (MFIs) in Abia State Nigeria.

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Abstract

ABSTRACT This study investigated the comparative determinants of productivity among cassava farmer-beneficiaries and non-beneficiaries of Microfinance Institution (MFIs) in Abia state, Nigeria. Specifically, the study identified and examined factors influencing productivity of cassava farmers who are beneficiaries and non-beneficiaries of Microfinance Institutions (MFIs). Multistage random sampling technique was implored in sorting out respondents who are beneficiaries and non-beneficiaries of MFIs spread across the 3 agricultural zones in the state. This provided the sample frame from which primary data were collected with the use of a pre tested and structured questionnaire. A total of 240 cassava farmers who are both beneficiaries (120) and non-beneficiaries (120) of MFIs were used in this study. The method of data analysis used is the ordinary least square (OLS) regression technique with the choice of Cobb Douglas as the lead equation most suited to explain productivity analysis and chow test for test of difference between means of factors. The result revealed that gender, age, household size and farming experience were directly related to productivity at varied 1.0%, 5.0% and 10.0% levels of significance for beneficiaries of MFIs while non-beneficiaries coefficient for gender, age, education, farm size, household size and farming experience were statistically significant at varied critical probability levels. The chow test however reveals that the calculated F-value given as 5.784 is significant at 1.0% levels, hence proved that MFIs beneficiaries are more productive than non-beneficiaries. It is therefore necessary for government policies to consider encouraging male cassava farmers, with good farming experience and moderate household members to ensure and maintain productivity.

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