The importance of inorganic fertilizer to farmers is without doubt. This is because of the overri... more The importance of inorganic fertilizer to farmers is without doubt. This is because of the overriding effect on increased crop yield. This study examines the influence of farmers' socioeconomic characteristics on fertilizer demand in Ekiti State, Southwest Nigeria. Data were collected from 124 randomly selected respondents in the study area. Data analysis revealed that fertilizer demand was low generally per hectare and there was attendant price fluctuation of bags of fertilizer in the study area. The regression analysis revealed that farmer status, farming experience, age, educational level, marital status, household size, farm size, income, and land ownership significantly correlated with fertilizer demand among farmers in Ekiti State, Southwestern Nigeria. it was recommended that adequate awareness should be created by the State Agricultural Development Programme to generate interest of the farmers towards the use of fertilizer for enhanced yield and productivity. Efforts sho...
The study investigates the determinants of financial inclusion of farmers in Ogba Local
Governmen... more The study investigates the determinants of financial inclusion of farmers in Ogba Local Government Area (ONELGA) of Rivers State, Nigeria. Data were collected with the aid of two sets of structured questionnaires,. The data were analyzed with the use of descriptive statistics and binary logit regression analysis. The finding showed that 68.3% of the respondents were female, while 31.7% were male.Financial products and services mostly accessed by the respondents were SMS Alert, Savings account and Automated Teller machine (ATM) card. It was also found that tfarming status's coefficient is positive and significant at 10%, the coefficient of estimated annual income is also positive and significant at 10%. Same with the coefficient of educational status, positive and significant at 1%. The major constraints to accessing financial products and services among others were observed to be high interest rate on loan, poor banking services and long queues at ATM. The study recommends that the Central Bank of Nigeria, in collaboration with the government, should monitor banks' interest rates on loans in order to discourage high interest, and also regulate banks to be providing services that yield high level of customer satisfaction. Because educational status is a significant factor of financial inclusion, government should provide an enabling environment for education to those who are less privileged to assist them.
Available statistics confirmed that men have access to credit more than women in Nigeria because ... more Available statistics confirmed that men have access to credit more than women in Nigeria because men have assets which serve as collateral for accessing credit. Credit is essential to farmers, especially the small-scale farmers who have limited capital for their production but constitute the greatest force in food production in many developing countries. The study was carried out to investigate micro-loan sizes accessed by male and female small-scale agro-entrepreneurs in the Niger Delta region of Nigeria on a comparative basis. Multi-stage sampling technique was used to collect data from 373 respondents who were either client of formal, semiformal or informal microcredit institutions. Z-test results revealed that loan sizes accessed from formal source showed that there was no significant difference between the mean amount accessed by men and women borrowers. Also for the informal micro-credit, there was no significant difference (p>0.50) between the mean amount of loan accessed by male and female agroentrepreneur borrowers. The result of the semiformal loans showed that there was a significant difference (p<0.05) between the mean amount of loan, accessed by male and female borrowers. The study recommends that micro-credit schemes which are the major strategy for formal financial inclusion in Nigeria have really impacted positively on women's loan sizes, and should be sustained to close the gap existing between men and women in accessing microcredit.
International Journal of Agricultural Economics and Management, 2012
Malaria is one of the commonest tropical diseases plaguing the African continent and the rural ar... more Malaria is one of the commonest tropical diseases plaguing the African continent and the rural areas of the continent in particular. Hence this study was carried out to analyze the effects of malaria on the overall farm income of the rural households, the level of awareness and use of modern preventive measures of treating malaria in Ekeremor Local Government Area, classified as rural in Bayelsa State. Multi-stage sampling procedure was employed for the research in which the first level stratification involved the random selection of four villages, and the second level of stratification was the selection of twenty five households each from the villages. A total number of hundred respondents were finally used for data analysis using both descriptive and multiple regression techniques. Low level awareness (56%), use of modern preventive measures (12%), poor sanitary conditions, and large household sizes (8 persons), were the major factors responsible for the high malaria incidence in the rural household. The increase in malaria incidence however had a significant effect on the income of the farmers through increase in the number of days of incapacitation. The recommended polices arising from the economic implications of these empirical findings were that public enlightenment under the aegis of the "Roll Back Malaria Campaign" should be intensified in rural households. Farmers on their part should keep clean environment.
The importance of inorganic fertilizer to farmers is without doubt. This is because of the overri... more The importance of inorganic fertilizer to farmers is without doubt. This is because of the overriding effect on increased crop yield. This study examines the influence of farmers' socioeconomic characteristics on fertilizer demand in Ekiti State, Southwest Nigeria. Data were collected from 124 randomly selected respondents in the study area. Data analysis revealed that fertilizer demand was low generally per hectare and there was attendant price fluctuation of bags of fertilizer in the study area. The regression analysis revealed that farmer status, farming experience, age, educational level, marital status, household size, farm size, income, and land ownership significantly correlated with fertilizer demand among farmers in Ekiti State, Southwestern Nigeria. it was recommended that adequate awareness should be created by the State Agricultural Development Programme to generate interest of the farmers towards the use of fertilizer for enhanced yield and productivity. Efforts sho...
The study investigates the determinants of financial inclusion of farmers in Ogba Local
Governmen... more The study investigates the determinants of financial inclusion of farmers in Ogba Local Government Area (ONELGA) of Rivers State, Nigeria. Data were collected with the aid of two sets of structured questionnaires,. The data were analyzed with the use of descriptive statistics and binary logit regression analysis. The finding showed that 68.3% of the respondents were female, while 31.7% were male.Financial products and services mostly accessed by the respondents were SMS Alert, Savings account and Automated Teller machine (ATM) card. It was also found that tfarming status's coefficient is positive and significant at 10%, the coefficient of estimated annual income is also positive and significant at 10%. Same with the coefficient of educational status, positive and significant at 1%. The major constraints to accessing financial products and services among others were observed to be high interest rate on loan, poor banking services and long queues at ATM. The study recommends that the Central Bank of Nigeria, in collaboration with the government, should monitor banks' interest rates on loans in order to discourage high interest, and also regulate banks to be providing services that yield high level of customer satisfaction. Because educational status is a significant factor of financial inclusion, government should provide an enabling environment for education to those who are less privileged to assist them.
Available statistics confirmed that men have access to credit more than women in Nigeria because ... more Available statistics confirmed that men have access to credit more than women in Nigeria because men have assets which serve as collateral for accessing credit. Credit is essential to farmers, especially the small-scale farmers who have limited capital for their production but constitute the greatest force in food production in many developing countries. The study was carried out to investigate micro-loan sizes accessed by male and female small-scale agro-entrepreneurs in the Niger Delta region of Nigeria on a comparative basis. Multi-stage sampling technique was used to collect data from 373 respondents who were either client of formal, semiformal or informal microcredit institutions. Z-test results revealed that loan sizes accessed from formal source showed that there was no significant difference between the mean amount accessed by men and women borrowers. Also for the informal micro-credit, there was no significant difference (p>0.50) between the mean amount of loan accessed by male and female agroentrepreneur borrowers. The result of the semiformal loans showed that there was a significant difference (p<0.05) between the mean amount of loan, accessed by male and female borrowers. The study recommends that micro-credit schemes which are the major strategy for formal financial inclusion in Nigeria have really impacted positively on women's loan sizes, and should be sustained to close the gap existing between men and women in accessing microcredit.
International Journal of Agricultural Economics and Management, 2012
Malaria is one of the commonest tropical diseases plaguing the African continent and the rural ar... more Malaria is one of the commonest tropical diseases plaguing the African continent and the rural areas of the continent in particular. Hence this study was carried out to analyze the effects of malaria on the overall farm income of the rural households, the level of awareness and use of modern preventive measures of treating malaria in Ekeremor Local Government Area, classified as rural in Bayelsa State. Multi-stage sampling procedure was employed for the research in which the first level stratification involved the random selection of four villages, and the second level of stratification was the selection of twenty five households each from the villages. A total number of hundred respondents were finally used for data analysis using both descriptive and multiple regression techniques. Low level awareness (56%), use of modern preventive measures (12%), poor sanitary conditions, and large household sizes (8 persons), were the major factors responsible for the high malaria incidence in the rural household. The increase in malaria incidence however had a significant effect on the income of the farmers through increase in the number of days of incapacitation. The recommended polices arising from the economic implications of these empirical findings were that public enlightenment under the aegis of the "Roll Back Malaria Campaign" should be intensified in rural households. Farmers on their part should keep clean environment.
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Papers by VIVIAN UGWUJA
Government Area (ONELGA) of Rivers State, Nigeria. Data were collected with the aid of two sets
of structured questionnaires,. The data were analyzed with the use of descriptive statistics and
binary logit regression analysis. The finding showed that 68.3% of the respondents were female,
while 31.7% were male.Financial products and services mostly accessed by the respondents
were SMS Alert, Savings account and Automated Teller machine (ATM) card. It was also found
that tfarming status's coefficient is positive and significant at 10%, the coefficient of estimated
annual income is also positive and significant at 10%. Same with the coefficient of educational
status, positive and significant at 1%. The major constraints to accessing financial products and
services among others were observed to be high interest rate on loan, poor banking services and
long queues at ATM. The study recommends that the Central Bank of Nigeria, in collaboration
with the government, should monitor banks' interest rates on loans in order to discourage high
interest, and also regulate banks to be providing services that yield high level of customer
satisfaction. Because educational status is a significant factor of financial inclusion, government
should provide an enabling environment for education to those who are less privileged to assist
them.
Government Area (ONELGA) of Rivers State, Nigeria. Data were collected with the aid of two sets
of structured questionnaires,. The data were analyzed with the use of descriptive statistics and
binary logit regression analysis. The finding showed that 68.3% of the respondents were female,
while 31.7% were male.Financial products and services mostly accessed by the respondents
were SMS Alert, Savings account and Automated Teller machine (ATM) card. It was also found
that tfarming status's coefficient is positive and significant at 10%, the coefficient of estimated
annual income is also positive and significant at 10%. Same with the coefficient of educational
status, positive and significant at 1%. The major constraints to accessing financial products and
services among others were observed to be high interest rate on loan, poor banking services and
long queues at ATM. The study recommends that the Central Bank of Nigeria, in collaboration
with the government, should monitor banks' interest rates on loans in order to discourage high
interest, and also regulate banks to be providing services that yield high level of customer
satisfaction. Because educational status is a significant factor of financial inclusion, government
should provide an enabling environment for education to those who are less privileged to assist
them.