An investigation on women's access to agricultural credit faclities: A case of Mutandalike area, Choma District, Southern Province, Zambia
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Date
2015-06-15
Authors
Sitimela, Culver
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Abstract
This research report contains information on the investigation of the accessibility of agricultural credit facilities by women small-scale farmers of Mutandalike area, Choma district.
The respondents in Mutandalike area mainly from Mung'anga and Siakayuwa villages were selected randomly. Data were collected using the scheduled structured interview questionnaire (see appendix 1). This research instrument was administered to the respondents directly by the researcher. The other information was obtained from FRA,PAM, and Farmer's Friends, village head-men and their secretaries(see appendix 2). The accessibility of credit facilities plays a very important role in agriculture. Women, however, have no access to credit and this is affecting them economically. The women of Mutandalike area are experiencing an inadequate access to economic resources such as agricultural credit. This is despite their playing significant roles in the household food and livelihood security. Women of Mutandalike are still constrained from being equitable beneficiaries of credit in the development of agricultural sector of the economy of Zambia. There are constraints that make accessibility of agricultural credit by women difficult. Although rural women are the real backbone of development in rural agriculture, they are constrained from accessing credit. This report gives these constraints as being economical, socio-cultural and institutional.Lack of access to credit by women have effects on them and their enterprises. Agricultural economic liberalisation took rural small-scale farmers by surprise. While many expected the agriculture sector's performance to improve, instead it worsened. Small-scale farmers, especially women were marginalised in accessing formal credit due to stringent credit conditionalities.
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Agricultural credit facilties , Choma-Zambia