IDEAS home Printed from
MyIDEAS: Login to save this paper or follow this series

Determinants And Characteristics Of Household Demand For Smallholder Credit In Malawi

  • Fanwell Kenala Bokosi

    (University of Kent)

It has been argued that most of Malawi’s smallholder farmers are too poor to benefit from any kind of credit, and that, even if they had access to adequate credit and inputs, their land constraints are so severe that any increase in productivity would fall short of guaranteeing their food security. The underlying objective is to analyze the factors that affect household demand for credit. The aim is to provide a better understanding of the households’ personal characteristics, not only because they influence the household’s demand for credit but also due to the fact that potential lenders are likely to base their assessment of borrowers creditworthiness on such characteristics. The study covered 404 households in Nkhotakota, Rumphi, Dedza, Dowa and Mangochi. The analysis was conducted using three methods, first, descriptive analysis to determine the relationship between participation in credit markets and socio-economic characteristics. Secondly, an Ordinary Least Squares estimation of the extent of credit demand and finally, a probit analysis. Estimated coefficients for family size and seasonality (post-harvest, post-harvest and harvest periods) were positive and significantly different from zero at p

If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

File URL:
Download Restriction: no

Paper provided by EconWPA in its series General Economics and Teaching with number 0408001.

in new window

Length: 35 pages
Date of creation: 19 Aug 2004
Date of revision:
Handle: RePEc:wpa:wuwpgt:0408001
Note: Type of Document - pdf; pages: 35
Contact details of provider: Web page:

No references listed on IDEAS
You can help add them by filling out this form.

This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

When requesting a correction, please mention this item's handle: RePEc:wpa:wuwpgt:0408001. See general information about how to correct material in RePEc.

For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (EconWPA)

If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

If references are entirely missing, you can add them using this form.

If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

Please note that corrections may take a couple of weeks to filter through the various RePEc services.

This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.