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Gender Gap and Credit Use in Smallholder Agriculture in Nigeria

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  • Olorunfemi Oladapo OGUNDELE

    (Nigerian Institute of Social and Economic Research (NISER), Nigeria)

  • Muslihah Adepeju BADMUS

    (National Institute of Horticultural Research, Ibadan-Nigeria)

Abstract

This study engaged National Bureau of Statistics 2015 Generalised Household wave 3 data was to examine the determinants of gender gap on credit access and loan size using Heckman two-stage selection model and the work was supported by African Economic Research Consortium (AERC) Results of the analysis confirmed the existence of gender gap of 6 per cent in credit access in favour of male headed households and a significant gender gap of 529,000 Naira in average loan size. The coefficient of gender in the estimated Heckman model (0.696) indicated a gender gap biased against female headed households. Some measures of human capital like literacy rate, formal education and post primary education as well as measure of wealth such as ownership of livestock were significantly biased against female-headed households and these seriously constraints their access to and use of credit.

Suggested Citation

  • Olorunfemi Oladapo OGUNDELE & Muslihah Adepeju BADMUS, 2020. "Gender Gap and Credit Use in Smallholder Agriculture in Nigeria," International Journal of Research and Scientific Innovation, International Journal of Research and Scientific Innovation (IJRSI), vol. 7(9), pages 355-362, September.
    • Handle: RePEc:bjc:journl:v:7:y:2020:i:9:p:355-362
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    References listed on IDEAS

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    1. Gershon Feder & Lawrence J. Lau & Justin Y. Lin & Xiaopeng Luo, 1990. "The Relationship between Credit and Productivity in Chinese Agriculture: A Microeconomic Model of Disequilibrium," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 72(5), pages 1151-1157.
    2. Mark M. Pitt & Shahidur R. Khandker, 1998. "The Impact of Group-Based Credit Programs on Poor Households in Bangladesh: Does the Gender of Participants Matter?," Journal of Political Economy, University of Chicago Press, vol. 106(5), pages 958-996, October.
    3. Aleem, Irfan, 1990. "Imperfect Information, Screening, and the Costs of Informal Lending: A Study of a Rural Credit Market in Pakistan," The World Bank Economic Review, World Bank, vol. 4(3), pages 329-349, September.
    4. James Heckman, 2013. "Sample selection bias as a specification error," Applied Econometrics, Russian Presidential Academy of National Economy and Public Administration (RANEPA), vol. 31(3), pages 129-137.
    5. F.N. Okurut & A. Schoombee & S. Van Der Berg, 2005. "Credit Demand And Credit Rationing In The Informal Financial Sector In Uganda1," South African Journal of Economics, Economic Society of South Africa, vol. 73(3), pages 482-497, September.
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