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Enhancing Crop Yields through Credit Access among Female Smallholder Farmers in Ogun State, Nigeria

Author

Listed:
  • Adeyemi Olaoluwa Bamigboye

    (Department of Management & Accounting, Faculty of Management & Social Sciences, Lead City University, Ibadan, Oyo State, Nigeria)

  • Tina Akinbo

    (Department of Management & Accounting, Faculty of Management & Social Sciences, Lead City University, Ibadan, Oyo State, Nigeria)

Abstract

Limited access to credit remains one of the most significant structural barriers to agricultural transformation in developing economies, especially for female smallholder farmers. Without the financial tools necessary to invest in quality inputs, technologies, and markets, these women find themselves trapped in cycles of low productivity and poverty. This study examined how access to credit enhanced crop yields among female smallholder farmers in Ogun State, Nigeria. The study was anchored on the Theories of Financial Inclusion Delivery (Public-Private Partnership (PPP). The study employed descriptive quantitative research design. Using a multi-stage sampling procedure, 295 respondents were randomly selected from the 1,228 female smallholder farmers belonging to the female farmer organizations across eight LGAs of Ogun State. Data were gathered using a structured questionnaire and were analyzed using descriptive statistics and regression analysis. Findings revealed a significant relationship between credit access and crop yield (β = 0.521, p

Suggested Citation

  • Adeyemi Olaoluwa Bamigboye & Tina Akinbo, 2026. "Enhancing Crop Yields through Credit Access among Female Smallholder Farmers in Ogun State, Nigeria," Lead City Journal of the Social Sciences (LCJSS), Lead City University, vol. 11(1), pages 105-119.
    • Handle: RePEc:ris:lcjsss:022371
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