DETERMINANTS OF CREDIT ACCESS AMONG RICE FARMERS IN RURAL CAMEROON

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