Journal of
Development and Agricultural Economics

  • Abbreviation: J. Dev. Agric. Econ.
  • Language: English
  • ISSN: 2006-9774
  • DOI: 10.5897/JDAE
  • Start Year: 2009
  • Published Articles: 555

Full Length Research Paper

Determinants of Access to Credit Financial Services by Smallholder Farmers in Kenya

Joyce C. Kiplimo
  • Joyce C. Kiplimo
  • International Maize and Wheat Improvement Centre (CIMMYT), P. O. Box 1042-00621, Nairobi, Kenya.
  • Google Scholar
Evans Ngenoh*
  • Evans Ngenoh*
  • Department of Agricultural Economics and Agribusiness Management, Egerton University, P. O. Box 536-20115, Egerton, Kenya.
  • Google Scholar
Walter Koech
  • Walter Koech
  • Department of Agricultural Economics and Agribusiness Management, Egerton University, P. O. Box 536-20115, Egerton, Kenya.
  • Google Scholar
Jullius K. Bett
  • Jullius K. Bett
  • Central Bank of Kenya (CBK), P. O. Box 60000-00100 Nairobi, Kenya.
  • Google Scholar


  •  Received: 17 July 2014
  •  Accepted: 27 July 2015
  •  Published: 30 September 2015

References

Ajibefun IA, Aderinola EA (2003). Determinants of Technical Efficiency and Policy Implication in Traditional Agricultural Production: Empirical Study of Nigerian Crop Farmers. Work in Process. Report presented at the Bi-annual Research Workshop of AERC, Nairobi, Kenya, May 24th - 29th.
 
Atieno R (2001). Formal and Informal Organizations' Lending Policies and Access to credit by Small-scale Enterprises in Kenya: An Empirical Assessment. African Economic Research Consortium. Nairobi. Research paper 111.
 
Beck T (2007). Financing constraints of SME's in developing countries. Evidence, determinants and solutions. J. Int. Money Fin. 31(2):401-441.
 
Brooks C (2008). Introductory Econometrics for finance. Cambridge: Cambridge University Press.
Crossref
 

Faturoti BO, Emah GN, Isife BI, Tenkouano A, Lemchi J (2006). Prospects and determinants of adoption of IITA plantain and banana based technologies in three Niger Delta States of Nigeria. Afr. J. Biotechnol. 5(14):1319-1323.

View

 
Foster D, Ouma S (2009). "Financial Access National Survey 2009: Dynamics of Kenya's Changing Financial Landscape." Financial Sector Deepening of Kenya. Nairobi, Kenya. Available online at www.fsdkenya.org
 
Freeman HA, Ehui SK, Mohammad AJ (1998). Credit constraints and smallholder dairy production in the East African Highlands: application of a switching regression model. J. Agric. Econ. 19:33-44.
Crossref
 
Gujarati DN (2004). Basic Econometrics.4th Edition. McGraw-Hill Book Company. New York.
 
Hussein H (2007). "Farm Household Economic Behaviour in Imperfect Financial Markets."Doctorial Thesis, Swedish University of Agricultural Sciences, Uppsala.
 
Inganga BW, Njeru A, Ombui K, Ondabu IT (2014). Factors affecting Customer Demand of Financial Services Offered by Commercial Banks in Nairobi county. Int. J. Sci. Res. Pub. 4(11):1-25.
 

Johnson S, Morduch NZ (2007). Financial exclusion in Kenya: an analysis of financial service use. Report for DFS, Kenya and FSD, Kenya, Nairobi, Kenya. 

View

 
Karanja JG, Mwangi AK, Ngigi NS (2014). Analysis of factors influencing access to credit services by women entrepreneurs in Kenya. Res. J. Fin. Account. 5(11):34-41.
 
Kimuyu P, Omiti J (2000). Institutional Impediments to Access to Credit by Micro and Small-Scale Enterprises in Kenya. IPAR Discussion Paper Series No. 026/2000
 
Kumar A (2005). Access to Financial Services in Brazil: A Study (Washington, DC: World Bank).
Crossref
 
Leavy J, Poulton C (2007). Commercialization in Agriculture, Future Agricultures. 
 
Maddala GS (1983). Limited-Dependent and Qualitative Variables in Econometrics. Cambridge: Cambridge University Press. P. 401.
Crossref
 
Marge S (2003). Banking sector development and credit constrained households in Estonia.
 
Mutua JM, Oyugi LN (2006). 'Access to Financial Services and Poverty Reduction in Rural Kenya'. NEPRU Working Paper No. 108.
 
Mwangi IW, Sichei MM (2011). Determinants of Access to Credit by Individuals in Kenya: A Comparative Analysis of the Kenya National FinAccess Surveys of 2006 and 2009. Eur. J. Bus. Manage. 3(3):206-226.
 
Odendo M, De Groote H, Odongo O, Oucho P (2002). Participatory Rural Appraisal of Farmers' Maize Selection Criteria and Perceived Production Constraints in the Moist Mid-altitude Zone of Kenya.IRMA Socio-Economic Working Paper No.02-01. CIMMYT and KARI, Nairobi.
 
Ojo SO (2003). Productivity and Technical Efficiency of Poultry Egg Production in Nigeria. Int. J. Poult. Sci. 2(6):459-464.
Crossref
 
Okurut N, Schoombe A, Van der B (2004). Credit demand and credit rationing in the informal financial sector in Uganda. Paper to the DPRU/Tips/Cornell Conference on African Development and Poverty Reduction: The Macro-Micro Linkage. P. 1-28.
 
Owuor G (2002). Impact of Financial Self-Help Groups' Credit on Agricultural production. The Case of Maize Production in Siaya-Kenya. Unpublished Masters Thesis. Egerton University, Kenya.
 
Owuor G (2009). Is Micro-Finance Achieving Its Goal Among Smallholder Farmers in Africa? Empirical Evidence from Kenya Using Propensity Score Matching. Paper submitted for Visual Presentation at the XXVII International Conference of Agricultural Economists, 16-22 August 2009, Beijing, China.
 
Republic of Kenya (RoK) (2006). Central Bank of Kenya Monthly Economic Review. Nairobi: Government Printer. P. 13.
 
Republic of Kenya (RoK) (2008). Kenya National Bureau of Statistics, Economic Survey Report 2008. Ministry of Planning and National Development, Government Printers.
 
Republic of Kenya (RoK) (2012). Kenya National Bureau of Statistics Economic Survey report 2012. Ministry of Planning and National Development: Government Printer.
 
Sirak M, Rice JC (1994). Logistic Regression: An Introduction. In B. Thompson, ed., Advances in Social Science Methodology, Greenwich, CT: JAI Press 3:191-245.
 
United Nations (2006). The millennium Development goals Report 2006. United Nations Wealth differentiated constraints and priorities. Agric. Econ. 37:225-237.
 
Wooldridge A (2002). The Role of Financial and Business Development Services (BDS) in Micro and Small Enterprise (MSE) Development in Ethiopia. Addis Ababa: Associations of Ethiopian Microfinance Institutions.
 
World Bank (2008). Agriculture for development.World Development Report 2008. Washington DC: World Bank and OUP Press.
 
World Bank, (2013). World Development Report 2013. Washington DC: World Bank and OUP Press.
 
Zeller M, Diagne A, Mataya C (1998). Market access by smallholder farmers in Malawi: implications for technology adoption, agricultural productivity and crop income. J. Agric. Econ. 19:219-229.
Crossref