Determinants of Access to Credit Among Small Scale Irrigation User Farmers in Dangla Woreda, Amhara National Regional State, Ethiopia

The main objective of this study is to determine factors affecting access to credit among small scale irrigation user farmers. The study used both primary and secondary data. The primary data were collected through structured interview questionnaire from 329 irrigation user farmers from two kebeles. The sample households selected by using multistage random sampling method. Logistic regression method is applied to examine factors that affect access to credit. Based on the econometrics estimation result, cost of irrigation technology, households attitude towards risk (risk), income from irrigation, lending procedures, repayment period, age of the household (age) and livestock ownership were important factors influencing smallholder farmers access to formal credit in the study area. Keywords: Credit access, Small-scale irrigation, Agriculture finance DOI: 10.7176/JESD/10-5-08 Publication date:March 31st 2019