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Agriculture is the major component of the rural economy in Katsina State. Livestock production is a major component of agricultural activities practised there and is a source of income and a form of security for farmers. Increasing attacks by cattle rustlers have disrupted the stability that had been enjoyed by pastoralists in rural communities within the State. This study investigates the prospect of adopting community cattle ranches and radio frequency identification (RFID) as strategies for containing cattle rustling. Primary data were sourced via structured questionnaires and dichotomous dependent variable models in the form of probit and logit were used. Siting cattle ranches near rural communities is an important determinant for community acceptance of a cattle ranch, while fees as well as ranch sanitation levels would have significant effects on pastoralist decisions to use group ranch schemes. On the other hand, occupation, number of cattle rustled and education are significant factors in determining the use of RFID. There is growing scepticism over the cruelty in the military approach embarked upon by the current administration in combating cattle rustling, which seems analogous to the intervention used to combat the rise of the Boko Haram insurgency in Nigeria. Therefore, the time is ripe for the government to generate participatory policies whereby consultations should take centre stage in finding solutions to livestock theft. Relevant authorities should urgently build ranches in rural communities, while RFID will be vital to track livestock movement, which will ensure precision for the timely identification of stolen livestock.

Financial inclusion, as a key pillar for inclusive development, has long been considered as an important instrument for reducing poverty and income inequality. However, the income convergence effect of financial inclusion remains only partially explored. Using longitudinal data covering three survey waves on Nigerian households, this study explores the potential of financial inclusion as an instrument for reducing income disparity. After controlling for the endogeneity issues, the results of instrumental variable linear and quantile regressions consistently show a strong nexus between financial inclusion and per capita income. This positive effect is experienced by all households regardless of income distribution. The decomposition results reveal that ab initio, financial inclusion resulted in income divergence leading to widening inequality across the households with various income distributions. However, the income convergence started from the middle to the higher income household categories, with the lowest income lagging behind in the second wave. The lowest income households eventually converged in the data of the third wave. In this sense, it can be argued that financial inclusion could play an important role in the reduction of income inequality.

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This study examines the factors that influence farmers access to formal banking credit in the rural areas of Nigeria. The data used was collected from rural areas of Katsina State. This study used probit modelling approach to analyse the factors that influence farmers' accessibility to formal credit. This study found that the level of income, collateral, educational attainment and marital status have significant positive influence on farmers' access to formal credit, while age and sex have insignificant positive influence on the farmers' access to credit. On the other hand, interest rate and transaction cost have significant negative influence on the farmers' access to formal credit. Thus, this paper concluded that with the prevailing banking arrangement in Nigeria, rural farmers have little or no access to credit from conventional banks. Therefore, the study recommended the use of both group lending arrangement and character lending, so that farmers in the rural areas could be reached with formal credit.