{"id":3618,"date":"2025-11-06T17:11:51","date_gmt":"2025-11-06T17:11:51","guid":{"rendered":"https:\/\/deqepub.org\/ejfms\/?post_type=journal_article&#038;p=3618"},"modified":"2025-11-06T17:11:53","modified_gmt":"2025-11-06T17:11:53","slug":"determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state","status":"publish","type":"journal_article","link":"https:\/\/deqepub.org\/ejfms\/journal_article\/determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state\/","title":{"rendered":"Determinants of Agricultural Credit Access among Members of Farmers Cooperative Societies in Anambra State"},"content":{"rendered":"\n<p><a><strong>Ufoaroh, Ebele Theresa\u00b9, Ozoemena, Paschaline Chidiebere\u00b2, and Ifesinachi, Uju Monica\u00b3<\/strong><\/a><br><em>\u00b9Department of Cooperative Economics and Management, Anambra State Polytechnic, Mgbakwu, Nigeria<br>\u00b2Department of Cooperative Economics and Management, Federal Cooperative College, Oji River, Enugu State, Nigeria<br>\u00b3Department of Cooperative Economics and Management, Nnamdi Azikiwe University, Awka, Nigeria<\/em><\/p>\n\n\n\n<p><strong>ABSTRACT<\/strong><\/p>\n\n\n\n<p><em>Agricultural credit is believed to play a crucial role in enhancing agricultural productivity; however, access to <a>agricultural credit remains a major challenge to members of cooperative multipurpose farmers in Anambra state. To investigate this phenomenon, this study examined the determinants of agricultural credits access among members of farmers multipurpose cooperative societies in Anambra state. The study was carried out in three agricultural zones in Anambra state, Nigeria. A multi stage random sampling technique was used to arrive at a sample size of twenty four cooperative societies with a membership strength of 337 farmers as sample size. The instrument for data collection was a set of structured questionnaire on a 5-point likert-scale Data was analyzed using and the multiple regression models. Model results indicated that Age of farmers significantly<\/a><\/em><em> (3.00), t (285) = 13.96, 12.65 and 2.00; and p-values = .000, .000 and .047 have effect on agricultural credit access and<\/em><em> <\/em><em>Farm size significantly (3.00), t(285) = <\/em><em>13.01<\/em><em>, <\/em><em>4.88<\/em><em>and <\/em><em>12.91<\/em><em>; and p-values = .000, respectively have effect on agricultural credit access.<\/em><em> In line with the finding of this study, it is recommended that young and vibrant youth should&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; be encouraged to go into farming as agricultural credit will be easier for them to access when they are young rather than in their later years.<\/em><\/p>\n\n\n\n<p><strong>Keywords<\/strong><em>: <\/em><em>Agricultural Credit Access; Farmers Cooperative Societies; Farmland Size; Anambra State<\/em><em><\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/deqepub.org\/ejfms\/wp-content\/uploads\/sites\/11\/2025\/11\/EJFMS-92-12-22.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of EJFMS 9(2) 12-22.\"><\/object><a id=\"wp-block-file--media-18732a87-5fe3-437b-b587-e1922b38c5c2\" href=\"https:\/\/deqepub.org\/ejfms\/wp-content\/uploads\/sites\/11\/2025\/11\/EJFMS-92-12-22.pdf\">EJFMS 9(2) 12-22<\/a><a href=\"https:\/\/deqepub.org\/ejfms\/wp-content\/uploads\/sites\/11\/2025\/11\/EJFMS-92-12-22.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-18732a87-5fe3-437b-b587-e1922b38c5c2\">Download<\/a><\/div>\n\n\n\n<p><strong><em>Citation: <\/em><\/strong>Ufoaroh, E. T., Ozoemena, P. C. &amp; Ifesinachi, U. M. (2025). Determinants of Agricultural Credit Access among Members of Farmers Cooperative Societies in Anambra State. <em>European Journal of Finance and Management Sciences 9(2), 12-22. <a>DOI: <\/a><\/em><a href=\"https:\/\/doi.org\/10.5281\/zenodo.17544603\"><em>https:\/\/doi.org\/10.5281\/zenodo.17544603<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong><em>Copyright:<\/em><\/strong> \u00a9 2025 The Authors. This is an open-access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.<\/p>\n","protected":false},"author":1,"template":"","journal_article_cats":[184],"class_list":["post-3618","journal_article","type-journal_article","status-publish","hentry","journal_article_cat-vol-9-no-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v26.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Determinants of Agricultural Credit Access among Members of Farmers Cooperative Societies in Anambra State - European Journal of Finance and Management Sciences<\/title>\n<meta name=\"description\" content=\"Agricultural credit is believed to play a crucial role in enhancing agricultural productivity; however, access to agricultural credit remains a major challenge to members of cooperative multipurpose farmers in Anambra state. To investigate this phenomenon, this study examined the determinants of agricultural credits access among members of farmers multipurpose cooperative societies in Anambra state. The study was carried out in three agricultural zones in Anambra state, Nigeria. A multi stage random sampling technique was used to arrive at a sample size of twenty four cooperative societies with a membership strength of 337 farmers as sample size. The instrument for data collection was a set of structured questionnaire on a 5-point likert-scale Data was analyzed using and the multiple regression models. Model results indicated that Age of farmers significantly (3.00), t (285) = 13.96, 12.65 and 2.00; and p-values = .000, .000 and .047 have effect on agricultural credit access and Farm size significantly (3.00), t(285) = 13.01, 4.88and 12.91; and p-values = .000, respectively have effect on agricultural credit access. In line with the finding of this study, it is recommended that young and vibrant youth should\u00a0\u00a0\u00a0\u00a0\u00a0 be encouraged to go into farming as agricultural credit will be easier for them to access when they are young rather than in their later years.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/deqepub.org\/ejfms\/journal_article\/determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Determinants of Agricultural Credit Access among Members of Farmers Cooperative Societies in Anambra State\" \/>\n<meta property=\"og:description\" content=\"Agricultural credit is believed to play a crucial role in enhancing agricultural productivity; however, access to agricultural credit remains a major challenge to members of cooperative multipurpose farmers in Anambra state. To investigate this phenomenon, this study examined the determinants of agricultural credits access among members of farmers multipurpose cooperative societies in Anambra state. The study was carried out in three agricultural zones in Anambra state, Nigeria. A multi stage random sampling technique was used to arrive at a sample size of twenty four cooperative societies with a membership strength of 337 farmers as sample size. The instrument for data collection was a set of structured questionnaire on a 5-point likert-scale Data was analyzed using and the multiple regression models. Model results indicated that Age of farmers significantly (3.00), t (285) = 13.96, 12.65 and 2.00; and p-values = .000, .000 and .047 have effect on agricultural credit access and Farm size significantly (3.00), t(285) = 13.01, 4.88and 12.91; and p-values = .000, respectively have effect on agricultural credit access. In line with the finding of this study, it is recommended that young and vibrant youth should\u00a0\u00a0\u00a0\u00a0\u00a0 be encouraged to go into farming as agricultural credit will be easier for them to access when they are young rather than in their later years.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/deqepub.org\/ejfms\/journal_article\/determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state\/\" \/>\n<meta property=\"og:site_name\" content=\"European Journal of Finance and Management Sciences\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-06T17:11:53+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/deqepub.org\/ejfms\/journal_article\/determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state\/\",\"url\":\"https:\/\/deqepub.org\/ejfms\/journal_article\/determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state\/\",\"name\":\"Determinants of Agricultural Credit Access among Members of Farmers Cooperative Societies in Anambra State - European Journal of Finance and Management Sciences\",\"isPartOf\":{\"@id\":\"https:\/\/deqepub.org\/ejfms\/#website\"},\"datePublished\":\"2025-11-06T17:11:51+00:00\",\"dateModified\":\"2025-11-06T17:11:53+00:00\",\"description\":\"Agricultural credit is believed to play a crucial role in enhancing agricultural productivity; however, access to agricultural credit remains a major challenge to members of cooperative multipurpose farmers in Anambra state. To investigate this phenomenon, this study examined the determinants of agricultural credits access among members of farmers multipurpose cooperative societies in Anambra state. The study was carried out in three agricultural zones in Anambra state, Nigeria. A multi stage random sampling technique was used to arrive at a sample size of twenty four cooperative societies with a membership strength of 337 farmers as sample size. The instrument for data collection was a set of structured questionnaire on a 5-point likert-scale Data was analyzed using and the multiple regression models. Model results indicated that Age of farmers significantly (3.00), t (285) = 13.96, 12.65 and 2.00; and p-values = .000, .000 and .047 have effect on agricultural credit access and Farm size significantly (3.00), t(285) = 13.01, 4.88and 12.91; and p-values = .000, respectively have effect on agricultural credit access. In line with the finding of this study, it is recommended that young and vibrant youth should\u00a0\u00a0\u00a0\u00a0\u00a0 be encouraged to go into farming as agricultural credit will be easier for them to access when they are young rather than in their later years.\",\"breadcrumb\":{\"@id\":\"https:\/\/deqepub.org\/ejfms\/journal_article\/determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/deqepub.org\/ejfms\/journal_article\/determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/deqepub.org\/ejfms\/journal_article\/determinants-of-agricultural-credit-access-among-members-of-farmers-cooperative-societies-in-anambra-state\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/deqepub.org\/ejfms\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Determinants of Agricultural Credit Access among Members of Farmers Cooperative Societies in Anambra State\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/deqepub.org\/ejfms\/#website\",\"url\":\"https:\/\/deqepub.org\/ejfms\/\",\"name\":\"European Journal of Finance and Management Sciences\",\"description\":\"\",\"alternateName\":\"DEQE PUBLICATIONS\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/deqepub.org\/ejfms\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Determinants of Agricultural Credit Access among Members of Farmers Cooperative Societies in Anambra State - European Journal of Finance and Management Sciences","description":"Agricultural credit is believed to play a crucial role in enhancing agricultural productivity; however, access to agricultural credit remains a major challenge to members of cooperative multipurpose farmers in Anambra state. To investigate this phenomenon, this study examined the determinants of agricultural credits access among members of farmers multipurpose cooperative societies in Anambra state. The study was carried out in three agricultural zones in Anambra state, Nigeria. A multi stage random sampling technique was used to arrive at a sample size of twenty four cooperative societies with a membership strength of 337 farmers as sample size. The instrument for data collection was a set of structured questionnaire on a 5-point likert-scale Data was analyzed using and the multiple regression models. Model results indicated that Age of farmers significantly (3.00), t (285) = 13.96, 12.65 and 2.00; and p-values = .000, .000 and .047 have effect on agricultural credit access and Farm size significantly (3.00), t(285) = 13.01, 4.88and 12.91; and p-values = .000, respectively have effect on agricultural credit access. 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