Agricultural Credit Risk and Default Management by Banks in Imo State, Nigeria

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Agricultural Credit Risk and Default Management by Banks in Imo State, Nigeria

ABSTRACT

This study was designed to analyze agricultural credit risks and defaults management by banks in Imo State. Data were collected with the use of structured and validated questionnaire from 12 purposively selected bank branches and 72 randomly selected farmer loan beneficiaries in the state. Data were analyzed using means, percentages, frequency distribution and ordinary least square regression model. The standard deviations determined for riskiness of agricultural credit to farmers in the three zones (Owerri, Okigwe and Orlu zones) of Imo State were found to be N187,928.93, N146,586.56 and N154,805.41 respectively. Results of the regression analysis show that the related variables; supervision, viability, collateral, sanction, appraisal, and insurance are significant credit and default management techniques employed by banks in the study area in their course of lending to agriculture. It is therefore recommended that banks should put in place a comprehensive credit risk management process to identify measure, monitor and control credit risk and all material risks and where appropriate, hold capital against these risks to reduce risk of delinquencies and defaults, proper education of farmers on loan acquisition and application demands for appropriate collateral and enforcement of loan repayment obligations, recruitment of well trained and motivated staff are necessary precautions for effective credit delivery to the agricultural sector.

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