Credit Constraint and Rural Household Welfare in the Mezam Division of the North-West Region of Cameroon

Atamja, Louis; Yoo, Sungjoon

doi:10.3390/su13115964

Cited by 8 publications

(3 citation statements)

References 43 publications

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“…The Northwest region comprises 7 Divisions including Boyo, Bui, Donga-Mantung, Menchum, Momo, Ngoketunjia, and Mezam Division. Mezam Division is constituted of 7 Subdivisions which include: Bamenda I, Bamenda II, Bamenda III, Bafut, Bali, Santa, and Tubah (Atamja & Yoo 2021).…”

Section: The Study Sitementioning

confidence: 99%

Perceptions of Agriculture by Elementary School and College Students in Mezam Division of North West Cameroon: A Qualitative Analysis

Vitung

2023

IJQR

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The study explored the perceptions of primary school pupils, secondary, and high school students in the Mezam Division of the North West Region of Cameroon. Existing literature points to declining youth interest in agriculture grounded on a largely negative perception of the sector, however, there is scant data on youth perception of agriculture in Cameroon. In the face of rising youth unemployment, there is a need to generate relevant data that can inform policies relating to youth entry and participation in the country’s agriculture. Semi-structured questionnaires were used to collect data from 7 primary, secondary, and high schools respectively. The data were analyzed using the thematic approach, leading to the emergence of themes. The findings of the study indicate that pupils and students have largely positive perceptions of agriculture which are however not translated into high aspirations for career development in the sector, suggesting a need for targeted actions at various levels of the educational system. Further research that addresses perceived determinants of youth attraction to agriculture in the country, will contribute to informing youth-specific policy towards agriculture.

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Section: The Study Sitementioning

confidence: 99%

Perceptions of Agriculture by Elementary School and College Students in Mezam Division of North West Cameroon: A Qualitative Analysis

Vitung

2023

IJQR

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“…One frequently used measure of welfare is household consumption and consumption expenditure, and a number of studies have found credit access to have positive impacts on the measure (Attanasio et al, 2015;Bocher et al, 2017;Fink et al, 2020;Kaboski & Townsend, 2011;Mallick & Zhang, 2019;Meager, 2019;Song et al, 2020). This impact has been observed in various contexts, including in the Mezam district of North-West Cameroon where Atamja and Yoo (2021) found that households that either save formally or informally increase their consumption level, and hence their welfare. Access to finance has also been found to have positive impacts on overall household expenditure in India (Shetty, 2008), household investment in Thailand (Gloede & Rungruxsirivorn, 2013), income (Addury, 2018;Ibrahim & Aliero, 2020;Shetty, 2008), as well as assets and empowerment (Nanziri, 2018;Shetty, 2008).…”

Section: Literature Reviewmentioning

confidence: 99%

The Welfare Effects of Formal and Informal Financial Access in the Gambia: A Comparative Assessment

Manja

Badjie²

2022

Sage Open

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The aim of this study was to comparatively assess the impact of formal and informal finance on household welfare in the Gambia. The Gambia 2015 to 2016 Integrated Household Survey (IHS3) data was analyzed using Stata software version 17.0 to assess the impact of access to the various forms of finance on household food and non-food consumption expenditures, education expenditure, total income, and a subjective assessment of welfare. The study found that access to either formal or informal finance has some deleterious impacts on welfare, with the negative impacts from formal finance being generally lesser than those from informal finance, signaling that the different forms of finance have near-varying repercussions on household welfare. Access to and conditions of formal finance should be improved by removing or making less stringent the requirements, most of which are hard for households to meet.

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“…A key impeding factor for local production is the extremely limited access of farmers to microcredit. A recent study in the Northwest Region of Cameroon suggests that almost 37% of (mostly farming) households are creditconstrained, while 63% are not (Atamja and Yoo, 2021).…”

Section: Introductionmentioning

confidence: 99%

Determinants of credit access among rice farmers in rural Cameroon

Shillie

Balgah

Njonyi

2022

J. Agribus. Rural Dev.

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Inadequate access to credit remains a major constraint to agricultural production in Africa. However, not all farmers face this difficulty. This article assesses the determinants of agricultural credit access among rice farmers who are members of the Ngoketunjia Cooperative Credit Union in the Northwest Region of Cameroon. A structured pretested questionnaire was administered to 126 randomly selected credit beneficiaries and non-beneficiaries, all of whom are members of the study credit union. Binary logistic regression was performed, with the dependent variable (access to microcredit) being 1 (yes) if the respondent received a loan during the 2018/2019 farming season, and 0 (no) otherwise. 12 explanatory variables were used in the analysis, which adopted a 10% level of significance. Statistically significant relationships were observed between farm size, inputs, farm output, and access to loans, suggesting that access to microcredit has a positive impact on agricultural production. The three key factors facilitating access to microcredit were farming experience (B = 0.38, p = 0.06), the educational level of the farmer (B = 0.81, p = 0.06), and the diversion of loans to solve other problems (B = 1.64, p = 0.06). Based on these results, we recommend better financial inclusion of rice farmers in microcredit schemes to increase local rice production and reduce imports in Cameroon.

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Credit Constraint and Rural Household Welfare in the Mezam Division of the North-West Region of Cameroon

Cited by 8 publications

References 43 publications

Perceptions of Agriculture by Elementary School and College Students in Mezam Division of North West Cameroon: A Qualitative Analysis

Perceptions of Agriculture by Elementary School and College Students in Mezam Division of North West Cameroon: A Qualitative Analysis

The Welfare Effects of Formal and Informal Financial Access in the Gambia: A Comparative Assessment

Determinants of credit access among rice farmers in rural Cameroon

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