The study analysed the efficiency of microfinance banks’ lending to agriculture in Imo state, Nigeria. It analysed the cost of loan recovery in relation to the total loan recovered. Purposive sampling technique was used in the study. A list of microfinance banks was collected from the Owerri office of central bank of Nigeria which had 43 microfinance banks in the state. This formed the sampling frame from which 26 microfinance banks were purposively selected. The purposive selection was based on the microfinance banks that had the highest number of agricultural loan beneficiaries. Data were analysed using descriptive statistics and efficiency of loan recovery model. The result revealed that the efficiency index of the microfinance banks ranged from 0 to 0.5 and a loan and a mean of 0.06. The result further showed that 96.1% of the banks were within the index of 0 and 0.2. This implies that for every one thousand naira recovered from beneficiaries of microfinance banks, they spent sixty naira from their interest in recovering the loan. The results further revealed that 61.54% of the banks use additional guarantors to recover their loans while unconventional methods of recovery such as the use of the police accounted for 38.46% of the recovery technique. It was therefore recommended and concluded that since these microfinance banks are efficient in their loan recovery, they should make micro loans available to potential borrowers who want to invest in agriculture.

The study analyzed the resource use efficiency in small scale broiler production in Owerri Municipal Council of Imo State. Data were collected with well structured questionnaire from 40 randomly selected broiler farmers. The questionnaire were analyzed with the appropriate statistical and econometric tools. The result showed that the small scale broiler producers were profitable in the study area. Feed cost was very high consisting of 39.37% of the total cost and 44.63% of the variable cost of production. Farm size, labour, feed cost, medication are all important factors affecting the net revenue of the farmers in the study area. The net revenue of the broiler farmers was estimated at N140,989.56 per farmer per year implying that small scale broiler production is profitable. The farmers were inefficient in the use of resources such as land, labour, capital, feed, medication and other inputs. The benefit cost ratio was estimated at 2.22, implying that for every one naira invested in small scale broiler production in the study area, 11 kobo was gained thus profitable. The major constraints to small scale broiler production are lack of credit and the incidence of pest and diseases. Agricultural policies and programmes should focus on improving the farmers’ access to credit and appropriate technology the farmers’ access to credit and appropriate technology should be developed to reduce losses through the incidence of pest and diseases.