Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya:
Saved in:
| Main Author: | |
|---|---|
| Format: | Thesis Book |
| Language: | German |
| Published: |
Münster ; Hamburg
Lit
1994
|
| Series: | Studien zur ländlichen Entwicklung
46 |
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | XX, 206 S. graph. Darst. |
| ISBN: | 3825821730 |
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MARC
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| 245 | 1 | 0 | |a Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya |c Rosemary Atieno |
| 264 | 1 | |a Münster ; Hamburg |b Lit |c 1994 | |
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Record in the Search Index
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| adam_text | Titel: Institutional credit lending policies and the efficiency of resource use among small-scale farmers i
Autor: Atieno, Rosemary
Jahr: 1994
TABLE OF CONTENTS
FOREWORD........................................................................................................................................................................................................................v
ABOUT THE AUTHOR..........................................................................................................................................................................................vii
ACKNOWLEDGEMENTS..................................................................................................................................................................................vii
DEDICATION......................................................................................................................................................................................................................ix
TABLE OF CONTENTS........................................................................................................................................................................................xi
APPENDIX OF TABLES......................................................................................................................................................................................xiii
LIST OF TABLES IN TEXT................................................................................................................................................................................xv
LIST OF FIGURES......................................................................................................................................................................................................xvi
LIST OF ABBREVIATIONS AND ACRONYMS USED..............................................................................................xvii
ABSTRACT............................................................................................................................................................................................................................xix
1 INTRODUCTION............................................................................................................................................................................1
1.1 Statement of the Problem................................................................................................................................................1
1.2 Objectives and Hypotheses of the Study..................................................................................................2
1.3 Justification for the Study................................................................................................................................................3
1.4 Scope and Limitations of the Study..................................................................................................................4
1.5 Organisation of the Thesis..............................................................................................................................................5
1.6 The Role of Agriculture in the Kenyan Economy............................................................................6
1.7 Agricultural Credit in Kenya............................................................................................................................................10
1.7.1 The Evolution of Agricultural Credit for Small-Scale Farmers
in Kenya......................................................................................................................................................................................................10
1.7.2 Agricultural Credit Policy Framework in Kenya................................................................................14
1.7.3 Agricultural Credit Institutions and their Activities in Kenya............................................17
1.7.3.1 The Agricultural Finance Corporation............................................................................................................17
1.7.3.2 The Cooperative Bank of Kenya............................................................................................................................20
1.7.3.3 The Kenya Grain Growers Cooperative Union....................................................................................23
2 LITERATURE REVIEW ON THE CONCEPTUAL AND THEORETICAL
BACKGROUND ON AGRICULTURAL CREDIT................................................................................25
2.1 The Definition of Agricultural Credit..................................................................................................................25
2.2 The Role of Credit in Agricultural Development..............................................................................26
2.3 The Demand for Credit by Small-Scale Farmers............................................................................30
2.4 Agricultural Credit Policies and the Small-Scale Farmers................................................32
2.4.1 Agricultural Credit Delivery Mechanisms..................................................................................................32
2.4.2 Eligibility, Security Requirements, and Access to Credit Facilities......................34
2.4.3 Interest Rate Policy....................................................................................................................................................................35
3 METHODOLOGY..........................................................................................................................................................................39
3.1 Analytical Framework............................................................................................................................................................39
3.1.1 Theoretical Background....................................................................................................................................................39
3.1.2 The Production Function Approach..................................................................................................................40
3.1.3 Estimation of the Factors Determining Demand for and the
Use of Credit Funds by Farmers............................................................................................................................43
3.2 Conceptual and Operational Definitions....................................................................................................47
xi
3.3 Data Type and Sources........................................................................... 53
3.4 Selection of Farmers................................................................................ 55
3.5 The Sampling Procedure......................................................................... 57
4 BACKGROUND INFORMATION ON NAKURU DISTRICT................................................59
4.1 Physical Features........................................................................................................................................................................59
4.2 Agricultural Activities and Availability of Inputs to Farmers in the District. 63
4.2.1 Agricultural Activities in the District....................................................................................................................63
4.2.2 Availability and Use of Agricultural Inputs in the District......................................................68
4.3 Availability of Economic Incentives to the Surveyed Farmers in the
District..........................................................................................................................................................................................................70
4.3.1 The Use of Agricultural Inputs by the Farmers..................................................................................70
4.3.2 Availability of Extension Services to the Farmers..........................................................................76
4.3.3 Opportunities for Produce Marketing..............................................................................................................79
5 THE APPROPTIATENESS OF INSTITUTIONAL CREDIT TO
THE NATURE OF CREDIT DEMAND IN NAKURU DISTRICT......................................83
5.1 Sources and Types of Formal Agricultural
Credit in Nakuru District......................................................................................................................................................83
5.1.1 Sources of Formal Agricultural Credit............................................................................................................83
5.1.2 Agricultural Credit Programmes Administered by Formal
Credit Institutions in the District..............................................................................................................................85
5.1.2.1 AFC Development Loan....................................................................................................................................................85
5.1.2.2 AFC Seasonal Crop Credit (SCC)........................................................................................................................86
5.1.2.3 Cooperative Production Credit Scheme (CPCS)............................................................................89
5.1.2.4 Dairy Development Fund (DDF)..............................................................................................................................91
5.1.2.5 Farm Input Supply Scheme (FISS)....................................................................................................................91
5.1.2.6 KGGCU Seasonal Crop Credit..................................................................................................................................92
5.1.2.7 Other KGGCU Credit Schemes................................................................................................................................93
5.1.3 Institutional Problems Related to the Administration of
Credit Programmes in the District........................................................................................................................94
5.1.4 Institutional Lending Policies and the Supply of Credit to Farmers in the
District..........................................................................................................................................................................................................98
5.1.4.1 Eligibility Criteria............................................................................................................................................................................98
5.1.4.2 Security/Collateral Requirements........................................................................................................................99
5.1.4.3 Lending Terms and Conditions................................................................................................................................100
5.1.4.4 Interest Rate Policies..............................................................................................................................................................102
5.1.5 Institutional Lending Policies and the Demand for Credit by Farmers............102
5.2 The Nature of Demand for and Supply of Institutional Credit in
Nakuru District..................................................................................................................................................................................104
5.2.1 The Nature of Demand for Credit as Exhibited by Credit Users..............................104
5.2.1.1 Inadequacy of Loan Disbursed as a Reason for Loan Diversion by
Farmers......................................................................................................................................................................................................109
5.2.1.2 Sources of Income, Income Levels, and Other Resource Endowments
as Factors Influencing the Use of Credit Funds by Farmers..........................................115
5.2.1.3 Institutional Lending Approaches and the Use of Credit Funds
by Farmers in the District..................................................................................................................................................119
5.2.1.4 Analysis of the Significance of Factors Influencing Credit
Use by the Farmers in the District........................................................................................................................121
6 THE EXTENT OF INSTITUTIONAL CREDIT DEMAND AND ITS
SUPPLY IN NAKURU DISTRICT............................................................................................................................127
6.1 Analysis of Factors Determining the Demand for Institutional
Credit by the Farmers............................................................................................................................................................127
6.2 The Supply of Institutional Credit to Farmers in the District............................................132
6.2.1 Accessibility of Farmers to Credit Facilities............................................................................................132
6.2.2 Analysis of the Factors Determining the Supply of Credit to Farmers............133
6.3 Credit Demand and Supply as Reflected by Noncredit Users....................................135
6.3.1 Factors Responsible for Farmers Decisions not to Apply for Credit................135
6.3.2 Sources of Income and Resource Endowment as Explanations of
Farmers Demand for Credit........................................................................................................................................140
7 THE ROLE OF AGRICULTURAL CREDIT IN RESOURCE USE AND
PRODUCTIVITY BY SMALL-SCALE FARMERS IN THE DISTRICT....................145
7.1 Analysis of Resource Use and Productivity by the Farmers..........................................145
7.1.1 Production Function Estimation and Analysis....................................................................................145
7.1.2 Average and Marginal Factor Productivity Measures..............................................................150
7.1.3 Opportunity Costs and the Marginal Returns to Opportunity
Cost Ratios............................................................................................................................................................................................153
7.1.4 Resource Endowment and Utilisation by Both Credit and Noncredit
Farmers in the District............................................................................................................................................................156
7.2 Implications of the Resource Use and Productivity by the Sampled
Farmers for the Role of Credit in Increasing Agricultural Production................158
8 SUMMARY, CONCLUSIONS AND POLICY RECOMMENDATIONS................161
8.1 Summary of Major Results............................................................................................................................................161
8.1.1 Availability of Economic Incentives to Farmers and its Relationship to
Credit Use..............................................................................................................................................................................................162
8.1.2 The Nature and Extent of Demand for Credit by Farmers in the District... 164
8.1.2.1 The Operation of the Institutional Credit Market in the District..................................164
8.1.2.2 The Nature and Extent of Demand for Credit......................................................................................164
8.1.3 Agricultural Credit and the Efficiency of Resource Use by Farmers..................168
8.2 Conclusions........................................................................................................................................................................................169
8.2.1 The Linkage between Institutional Credit Supply and other Economic
Incentives in the District......................................................................................................................................................169
8.2.2 Institutional Lending Policies and the Demand for Credit by Farmers............174
8.2.3 Credit Supply and Efficiency in Factor Use and Productivity........................................181
8.3 Policy Recommendations................................................................................................................................................183
REFERENCES..................................................................................................................................................................................................................187
APPENDIX OF TABLES......................................................................................................................................................................................197
1 Correlation Matrix of the Specified Variables for the Credit Farmers................199
2 Correlation Matrix of the Specifed Variables for the Noncredit Farmers... 200
3 Commercial Banks Agricultural Credit Outstanding by Type of Farmer
1980-1991 (Kshs mill)............................................................................................................................................................201
xiii
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| spelling | Atieno, Rosemary Verfasser aut Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya Rosemary Atieno Münster ; Hamburg Lit 1994 XX, 206 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Studien zur ländlichen Entwicklung 46 Zugl.: Giessen, Univ., Diss., 1994 Agricultural credit Kenya Nakuru District Farms, Small Kenya Nakuru District Kleinbauer (DE-588)4123525-3 gnd rswk-swf Entwicklungsbank (DE-588)4152437-8 gnd rswk-swf Kreditpolitik (DE-588)4032941-0 gnd rswk-swf Agrarkredit (DE-588)4000764-9 gnd rswk-swf Kenia (DE-588)4030236-2 gnd rswk-swf (DE-588)4113937-9 Hochschulschrift gnd-content Kenia (DE-588)4030236-2 g Kleinbauer (DE-588)4123525-3 s Agrarkredit (DE-588)4000764-9 s Kreditpolitik (DE-588)4032941-0 s Entwicklungsbank (DE-588)4152437-8 s DE-604 Studien zur ländlichen Entwicklung 46 (DE-604)BV009775582 46 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006541359&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Atieno, Rosemary Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya Studien zur ländlichen Entwicklung Agricultural credit Kenya Nakuru District Farms, Small Kenya Nakuru District Kleinbauer (DE-588)4123525-3 gnd Entwicklungsbank (DE-588)4152437-8 gnd Kreditpolitik (DE-588)4032941-0 gnd Agrarkredit (DE-588)4000764-9 gnd |
| subject_GND | (DE-588)4123525-3 (DE-588)4152437-8 (DE-588)4032941-0 (DE-588)4000764-9 (DE-588)4030236-2 (DE-588)4113937-9 |
| title | Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya |
| title_auth | Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya |
| title_exact_search | Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya |
| title_full | Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya Rosemary Atieno |
| title_fullStr | Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya Rosemary Atieno |
| title_full_unstemmed | Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya Rosemary Atieno |
| title_short | Institutional credit lending policies and the efficiency of resource use among small scale farmers in Kenya |
| title_sort | institutional credit lending policies and the efficiency of resource use among small scale farmers in kenya |
| topic | Agricultural credit Kenya Nakuru District Farms, Small Kenya Nakuru District Kleinbauer (DE-588)4123525-3 gnd Entwicklungsbank (DE-588)4152437-8 gnd Kreditpolitik (DE-588)4032941-0 gnd Agrarkredit (DE-588)4000764-9 gnd |
| topic_facet | Agricultural credit Kenya Nakuru District Farms, Small Kenya Nakuru District Kleinbauer Entwicklungsbank Kreditpolitik Agrarkredit Kenia Hochschulschrift |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=006541359&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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