Enhancing Access to Bank Credit for Small-Scale Farmers in Kisumu and Kiambu Districts, Kenya Through Public-Private Partnership Initiative

作     者：Charles M. Rambo 

作者机构：University of Nairobi Kenya 

出 版 物：《Chinese Business Review》 (中国经济评论（英文版）)

年 卷 期：2012年第11卷第11期

页      面：946-969页

学科分类：120301[管理学-农业经济管理] 12[管理学] 0821[工学-纺织科学与工程] 1203[管理学-农林经济管理] 08[工学] 082103[工学-纺织化学与染整工程] 

主　　题：access to bank credit small-scale farming public-private partnership commercial banks government,credit request 

摘      要：In Kenya, small-scale fanning has immense potential in poverty reduction. The growth of farming activities requires sustainable access to affordable credit to boost and sustain production. This study is initiated to investigate factors influencing access to bank credit by small-scale farmers in Kisumu and Kiambu Districts, Kenya. It is necessitated by lack of a comprehensive study documenting the effectiveness of the partnership initiative in improving access to credit for small-scale farmers. The study seeks to address the following concerns： what factors influence access to bank credit by small-scale farmers under the initiative？ Are small-scale farmers in various parts of the country accessing bank credit equally？ Through which sources do farmers get to know about credit products provided through the initiative？ Primary data was collected from 144 farmers in Kiambu and 127 farmers in Kisumu, sampled using systematic random procedure. The cross-sectional survey design was applied to guide the research process. Quantitative analysis generated cross-tabulations with chi-square and binary logistic regression. The study found that out of 144 credit applicants in Kiambu about 56.3% were successful, while in Kisumu only 37.8% were successful. Access to bank credit was significantly associated with farmers＇ gender, education level, income level, farm size, and farming experience. Besides, women were 1.3 times less likely to access bank credit than men. In terms of regional variation, a Kiambu farmer was 2.7 times more likely to obtain bank credit than a Kisumu farmer. The initiative is an innovative approach for enhancing access to bank credit; however, its potential has not been fully exploited. The study recommends the need： to inform farmers about credit products to clear misconceptions and myths associated with bank credit; develop innovative financing packages for small-scale farmers that are also gender-sensitive; and to initiate a training program targeting farmer