An application of probit analysis to factors affecting small-scale farmers' decision to take credit: a case study of the Greater Letaba Local Municipality in South Africa.
An application of probit analysis to factors affecting small-scale farmers' decision to take credit: a case study of the Greater Letaba Local Municipality in South Africa.
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概率分析在影响小农信贷决策的因素中的应用：南非大莱塔巴地方政府的案例研究。
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发表时间：
2009
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影响因子：
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通讯作者：
A. Belete
中科院分区：
文献类型：
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作者：
T. O. Sebopetji;A. Belete
根据2006年在大莱塔巴地方直辖市从73名小农那里收集的原始数据，本研究使用概率建模方法分析了家庭特征对农民决定使用信贷的影响。该模型正确预测了84.93%的样本。结果显示，农业经验、性别和婚姻状况对农民信贷决策有显著的正向影响。相反，农民的年龄、受教育程度和农民协会会员对其有显著的负向影响。该研究建议对农村地区的借款人和非借款人进行有关农业信贷好处的培训。大多数借款人为男性户主，这意味着以女性户主家庭为目标最有可能提高他们获得贷款的可能性。建议全面推出南非微型农业金融机构（MAFISA）和即将实施的《公共土地权利法》（CLARA）将缓解这类农民的附带问题。
Based on primary data collected in the Greater Letaba Local Municipality from 73 small-scale farmers in the 2006 season, this study used the probit modelling approach to analyse the influence household characteristics have on farmers’ decision to use credit. The model predicted 84.93 per cent of the sample correctly. The results revealed that farming experience, gender and marital status have positive significant effect on farmers’ decision to use credit. In contrast, farmers’ age, education level and membership to farmers’ association had negative significant effect. The study recommends training on the benefits of farm credit among both borrowers and non-borrowers in rural areas. Most borrowers as male-headed and this imply that targeting female-headed households will most likely improve their likelihood of taking credit. It is recommended that the full rollout of Micro Agricultural Finance Institutions of South Africa (MAFISA) and the imminent implementation of the Communal Land Rights Act (CLARA) will ease the collateral problems of these categories of farmers.
Key words: Small-scale farmers, decision, credit, probit analysis.