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Determinants of Smallholder Vegetable Farmers Credit Access and Demand in Southwest region, Cameroon


  • Djoumessi, Yannick F.
  • Kamdem, Cyrille B.
  • Afari-sefa, Victor
  • Bidogeza, Jean-Claude


The study analyzed the determinants of smallholder vegetable farmer’s access and demand to credit. Primary data were collected from hundred randomly selected farmers with the aid of structured questionnaires using multi-stage sampling procedures. One common approach used to modeling this situation is the Tobit model. However, the decision taken by farmers to demand credit is preceded by the decision to have “access to credit”. We find that the estimates from the Tobit model captured the demand decision at the level of access. Thus, the double-hurdle model seems appropriate to determine factors influencing credit demand. The study concluded that the spread of lending agencies, membership to farmers’ association and agricultural extension services increase both access to and demand for credit. In addition, small-scale and female farmers should be encouraged to form associations to ensure appropriate information sharing and advantage of non-rationing credit.

Suggested Citation

  • Djoumessi, Yannick F. & Kamdem, Cyrille B. & Afari-sefa, Victor & Bidogeza, Jean-Claude, 2018. "Determinants of Smallholder Vegetable Farmers Credit Access and Demand in Southwest region, Cameroon," EconStor Open Access Articles, ZBW - Leibniz Information Centre for Economics, pages 1231-1240.
  • Handle: RePEc:zbw:espost:179942

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    References listed on IDEAS

    1. Yen, Steven T & Jensen, Helen H & Wang, Qingbin, 1996. "Cholesterol Information and Egg Consumption in the US: A Nonnormal and Hetroscedastic Double-Hurdle Model," European Review of Agricultural Economics, Foundation for the European Review of Agricultural Economics, vol. 23(3), pages 343-356.
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    3. Gao, X.M. & Wailes, Eric J. & Cramer, Gail L., 1995. "Double-hurdle Model with Bivariate Normal Errors: An Application to U.S. Rice Demand," Journal of Agricultural and Applied Economics, Cambridge University Press, vol. 27(2), pages 363-376, December.
    4. Vincent, Ng’eno & Muiruri, Erick Jotham & Nyangweso, Philiph Mulama & Langat, B. K. & Kipsat, Mary Jepkemboi, 2011. "Farmers Inaccessibility to Agricultural Credit in Nyandarua District, Kenya," Asian Journal of Agriculture and Rural Development, Asian Economic and Social Society (AESS), vol. 1(04), pages 1-6, December.
    5. Yannick Djoumessi & Victor Afari-Sefa & Cyrille Bergally Kamdem & Jean-Claude Bidogeza, 2018. "Socio-economic and institutional factors underlying efficiency of smallholder vegetable farms in Southwest region of Cameroon," International Journal of Social Economics, Emerald Group Publishing, vol. 45(1), pages 93-106, January.
    6. Steven T. Yen, 1993. "Working Wives and Food away from Home: The Box-Cox Double Hurdle Model," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 75(4), pages 884-895.
    7. Zeller, Manfred, 1994. "Determinants of credit rationing: A study of informal lenders and formal credit groups in Madagascar," World Development, Elsevier, vol. 22(12), pages 1895-1907, December.
    8. Pamela S. Haines & Barry M. Popkin & David K. Guilkey, 1988. "Modeling Food Consumption Decisions as a Two-Step Process," American Journal of Agricultural Economics, Agricultural and Applied Economics Association, vol. 70(3), pages 543-552.
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    10. Jones, Andrew M, 1992. "A Note on Computation of the Double-Hurdle Model with Dependence with an Application to Tobacco Expenditure," Bulletin of Economic Research, Wiley Blackwell, vol. 44(1), pages 67-74, January.
    11. P G Moffatt, 2005. "Hurdle models of loan default," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 56(9), pages 1063-1071, September.
    12. Akudugu, M. A., 2012. "Estimation of the Determinants of Credit Demand by Farmers and Supply by Rural Banks in Ghana’s Upper East Region," Asian Journal of Agriculture and Rural Development, Asian Economic and Social Society (AESS), vol. 2(02), pages 1-13, June.
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    Cited by:

    1. Geoffroy Enjolras & Philippe Madiès, 2019. "The determinants of loan acceptance: a case study of French farms," Economics Bulletin, AccessEcon, vol. 39(1), pages 358-371.

    More about this item


    credit access; credit demand; double-hurdle; small-scale vegetable farmers;

    JEL classification:

    • Q12 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Agriculture - - - Micro Analysis of Farm Firms, Farm Households, and Farm Input Markets
    • D01 - Microeconomics - - General - - - Microeconomic Behavior: Underlying Principles
    • C13 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Estimation: General


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