Agriculturae Conspectus Scientificus, Vol 73, No 3 (2008)

Determinants of Loan Repayment Performance Among Women Self Help Groups in Bayelsa State, Nigeria

George M. M. UGBOMEH, Felix Odemero ACHOJA, Victor IDEH, Albert Ukaro OFUOKU

Pages: 189-195


This paper investigated the determinants of loan repayment performance among women self-help groups in Bayelsa State, Nigeria. A structured questionnaire was used to gather information from one hundred and twelve (112) women farmers from eight communities within the States, using the multistage sampling technique. The study revealed that credit was available for agricultural production, processing and petty trading among women farmers. The mean amount of loan disbursed to farmers was N18,147.3 while the mean amount of N15,000 was repaid. Loan repayment percentage was determined to be 83.73% while percentage default was 17.27%. The estimated regression model indicated that women as household heads (X2), interest rate (X3) and household size (X4), negatively and significantly affected the loan repayment performance of women farmers while price stability of farm proceeds (X5) and commitment to self help groups (X6), positively and significantly affected the loan repayment of women farmers in self help groups in the area. It was therefore recommended that more self help credit/saving groups be established in the state and that financial institutions within the state should form a linkage with this groups for efficient loan scheme.


determinants; loan repayment; performance; women self-help

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