LOAN DELINQUENCY AMONG SMALL FARMERS IN DEVELOPING COUNTRIES: A CASE STUDY OF THE SMALL-FARMER CREDIT PROGRAMME IN LAGOS STATE

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LOAN DELINQUENCY AMONG SMALL FARMERS IN

DEVELOPING COUNTRIES: A CASE STUDY OF THE SMALL-FARMER CREDIT PROGRAMME IN LAGOS STATE

Abstract

Loan delinquency has often plagued small-farmer credit programmes. This paper discusses the extent and nature of loan delinquency, as well as its causes and consequences using the small-farmer credit programme of Lagos State as a case study. Empirical evidence from the study showed that high default rates in the region of 55 to 90 per cent crippled the programme. Among the major causes of default are loan supply shortages, delay in time of loan delivery, poor supervision, non-profitability of farm enterprises, misallocation of funds, poor farmers’ attitudes towards repayment, and undue government intervention with the operations of credit programmes. The concluding remark stresses the need to review and reform policy approach to small-farmer credit programmes. This can be done through correcting fundamental deficiencies in agrarian structure j formulating and implementing policies to deal with crop failures, strengthening farm management techniques and credit responsibility; integration of savings scheme into rural credit programmes; improvement in the management ability of credit disbursing agencies; reduction in the level of government interference and accurate knowledge of the existing conditions on the farms by lending agencies.

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