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The study examined the determinants of informal credit delinquencies among food crop farmers in rural Niger Delta of Nigeria using Akwa Ibom State as a case study. A multi-stage random sampling technique was adopted to select 96 beneficiaries and structured questionnaires as well as personal interview were used to collect data. Probit and logit models were used to analyse the factors influencing credit delinquency among food crop farmers in the state. Result of the descriptive analysis of the socioeconomic characteristic of respondents revealed that 93% of male and 72% of female food crop farmers had one form of formal education ranging from primary to tertiary education. Empirical result from the Probit and logit models were similar and showed that borrower's non-farm income, credit amount received, household size, net farm profit and farm size are determinants of credit delinquencies among food crop farmers in Akwa Ibom state. The study also discovered that the probability of food crop farmers being credit delinquent is about 0.427 ceteris paribus. It is recommended that food crop farmers should form marketing cooperative societies as a means of generating additional income to augment loan obtained. Furthermore, local government authorities should set up credit programmes that should focus on soft loans to rural farmers at a subsidize interest rate.

Micro-level assessment of vulnerability to climate change creates basis for policy formulation. The study specifically ascertained the levels and determinants of vulnerability to climate change among selected food crop farmers. Data collected were analysed using descriptive statistics and ordinary least square regression analysis. The result revealed that 15.95%, 68.97% and 15.08% of the households were highly vulnerable, moderately vulnerable and less vulnerable to climate change respectively. This implies a varied effect on crop farmers. The result also showed that amount saved, extension contacts, household expenditure and value of crop were significant at 1% level. The study recommended the provision of basic amenities and soft loans to farmers as well as an improvement in extension services. It also advocated the introduction of effective climate change mitigation and adaptive measures to boost agricultural output in their area.

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