Determinants of Agropreneurs Accessibility to Credit Sources in Egbeda Local Government Area of Oyo State

This study was conducted to ascertain the determinant of Agropreneurs accessibility to credit sources in Egbeda Local Government Area of Oyo State. Specific objectives of this study were designed to; described the socio economic characteristics of Agropreneurs, identified the credit sources among Agropreneurs, identified the Agropreneurs ventures existing, determined the demand for business loan for Agropreneurs, examined the factors that influence Agropreneurs participation in credit market in the study area and determined the factors militating against access to credit by Agropreneurs in the study area, Multi stage sampling technique was used to select 120 respondents for this study. Questionnaires were used to elicit information from the respondents. Both descriptive and inferential statistics were used to achieve the objectives of the study. The results on socio economic characteristics of the respondents showed that 34.2% of the respondents were within the age of 31-40 years, majority (76.7%) of the respondents were married, above average (55.8%) were Christians, above average (58.3%) were male, half (55.0%) of the respondents had tertiary education, most (65.8%) of the respondents had 1-5 household members, average (50.0%) of the respondents had farming as their secondary occupation, majority (86.7%) were member to cooperative society, 40.8% of the respondents had 11 and above years of experience, majority (56.7%) of the respondents had no access to extension services. The result on credit sources among Agropreneurs further revealed that personal savings (95.0%) was major respondents sources of credit, results on Agropreneurs ventures existing showed that livestock feed business(93.3%) was the most Agropreneurs ventures existing in the study area and interest rate (74.2%) the major factor that influence Agropreneurs accessibility to credit source. Also, majority (86.7%) demanded for N151,000 and above. Results on factors militating against access to credit by Agropreneurs showed that strict terms and condition of the financial institution (mean=2.34) and fear of risk (mean=2.29) were the very serve factors militating against access to credit by Agropreneurs. The results of the hypothesis showed that there were significant relationship between the socio economic characteristics of the respondents and their demand for business loan by Agropreneurs in the study area with R2 of . From the finding of this study, it is recommended that; financial institution should reduce their strict terms and conditions as this will enable the Agropreneurs to acquire credit they need for their business.

本研究旨在确定奥约州埃格贝地方政府区域内农业创业者（Agropreneurs）获取信贷来源的决定因素。本研究的具体目标包括：描述农业创业者的社会经济特征，识别农业创业者可获取的信贷来源，明确研究区域内现存的农业创业者经营业态，测算农业创业者的商业贷款需求，剖析影响研究区域内农业创业者参与信贷市场的因素，以及确定阻碍研究区域内农业创业者获取信贷的制约因素。本研究采用多阶段抽样法选取120名研究对象，通过问卷收集研究对象的相关信息，并运用描述性统计与推断性统计方法达成研究目标。
针对研究对象社会经济特征的分析结果显示：34.2%的受访者年龄处于31-40岁区间，多数（76.7%）受访者为已婚状态，超半数（55.8%）为基督教信徒，超五成（58.3%）为男性，半数（55.0%）受访者拥有高等教育学历，多数（65.8%）受访者的家庭规模为1-5人，半数（50.0%）受访者以农业作为副业，绝大多数（86.7%）为合作社成员，40.8%的受访者拥有11年及以上的从业经验，多数（56.7%）受访者未获取过农业推广服务。
针对农业创业者信贷来源的分析结果进一步表明，个人储蓄（95.0%）是受访者最主要的信贷来源；关于现存农业创业者经营业态的结果显示，畜禽饲料经营是研究区域内最普遍的农业创业者经营业态；利率（74.2%）为影响农业创业者获取信贷来源的首要因素。此外，绝大多数（86.7%）的受访者贷款需求在151000奈拉及以上。
针对阻碍农业创业者获取信贷的因素的分析结果显示，金融机构严苛的信贷条款与条件（均值=2.34）以及风险顾虑（均值=2.29）是阻碍农业创业者获取信贷的最显著制约因素。假设检验结果表明，研究区域内农业创业者的社会经济特征与其商业贷款需求之间存在显著相关关系，其判定系数R²未明确给出具体数值。
基于本研究结果，提出以下建议：金融机构应放宽其严苛的信贷条款与条件，以助力农业创业者获取经营所需的信贷资金。