尼日利亚奥约州小型木薯加工者农业贷款获取与农业收入之间的关系:一种内生转换回归方法

Q4 Agricultural and Biological Sciences
O. Omodara, O. Adetunji, O. Oluwasola
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引用次数: 0

摘要

农业贷款是将商业性农业转变为盈利性企业的重要工具。鉴于此,本研究调查了获得农业贷款的决定因素和小规模木薯加工的盈利能力。本文还利用预算分析、内生转换回归模型(ESRM)和增强逆概率加权回归调整(AIPWRA)作为稳健性检验,检验了获得农业贷款是否会影响Oyo州木薯加工者的农场净收入。采用多阶段随机抽样方法对120名木薯加工者进行信息采集。结果显示,女性加工者在木薯加工中占主导地位,加工者的平均年龄为41.1 ~ 7.5岁。只有23%的受访者获得了农业贷款,这些贷款主要是通过非正式渠道获得的。预算分析显示,加工商在一个生产周期内的平均农场净收入为10,449.87奈拉(29.03美元)。内生转换回归分析显示,已婚和受过教育的木薯加工者,具有社会包容性,拥有大型加工单位,赚取微薄的非农收入,更有可能获得农业贷款。此外,受教育程度(?=0.019,p<0.1)、工作的家庭成员数(?=0.241,p<0.01)、处理者?经验(?=0.028,p<0.05)和企业规模(?=0.001,p<0.01)影响获得农业贷款的加工商的农场净收入。AIPWRA的处理效果表明,木薯加工的ATT和POM分别为4.5%和37%。经营风险、企业规模小、利率高是制约农业贷款获得的主要因素。综上所述,木薯加工商不可避免地需要一个技术支持系统。更重要的是,应该鼓励木薯加工商加入行业协会,年轻的加工商应该在木薯加工的信贷倡议中得到优先考虑。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The nexus between agricultural loan access and farm income of small-scale cassava processors in Oyo state, Nigeria: An endogenous switching regression approach
An agricultural loan is an essential tool for transforming commercial agriculture into a profitable venture. In view of this, this study investigated determinants of access to agricultural loans and the profitability of small-scale cassava processing. It also tested whether access to agricultural loans affected the net farm income of cassava processors in Oyo State using budgetary analysis, endogenous switching regression model (ESRM) and augmented inverse probability weighted regression adjustment (AIPWRA) as a robustness check. A multistage random sampling procedure was employed to gather information from 120 cassava processors. The results revealed that female processors dominated cassava processing, and processors had a mean age of 41.1?7.5 years. Only 23% of the respondents had agricultural loan access, which was primarily sourced informally. Budgetary analysis showed that processors earned an average net farm income of N10,449.87 (US$29.03) in a production cycle. Endogenous switching regression analysis revealed that married and educated cassava processors that were socially inclusive and that had a large processing unit and earned meagre off-farm income were more likely to access agricultural loans. Furthermore, education (?=0.019, p<0.1), number of family members working (?=0.241, p<0.01), processors? experience (?=0.028, p<0.05) and enterprise size (?=0.001, p<0.01) influenced the net farm income of processors that had access to agricultural loans. The treatment effect from the AIPWRA result revealed that ATT and POM for cassava processing were 4.5% and 37%, respectively. Business risks, small enterprise size and high interest rate were the major constraints to agricultural loan access. From the foregoing, a need for a technical support system among cassava processors is inevitable. More so, cassava processors should be encouraged to join trade associations, and young processors should be given priority in credit initiatives for cassava processing.
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来源期刊
Journal of Agricultural Sciences, Belgrade
Journal of Agricultural Sciences, Belgrade Agricultural and Biological Sciences-Animal Science and Zoology
CiteScore
0.70
自引率
0.00%
发文量
14
审稿时长
12 weeks
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