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Empirical studies argued that rural development should be accompanied by agricultural credit reforms. Moreover, rural development and, in particular, farm productivity, can be influenced by credit accessibility. This Study was therefore undertaken to assess the influence of socio-economic variables on credit accessibility by smallholder rice farmers in Cameroon using binary regression. A purposive, multistage and stratified random sampling technique was used in selecting the respondents. A total of 192 small scale rice farmers were purposively selected from four (4) out of eight divisions. Data were collected using structured questionnaires and interview schedule, administered on the respondents were analyzed using binary logistic regression. The result revealed that Cox&Snell (R square) is 0.69 implying that sex; age; marital status; household size; education; farming experience; size of farm; records keeping and rice varieties accounted for 69 percent of socio-economic variables influencing credit accessibility by smallholder rice farmers in Cameroon. The result further indicated that sex; marital status (divorced); household size; education (tertiary) and rice varieties were the socio economic variables that significantly influence credit accessibility by smallholder rice farmers in the West Region of Cameroon. However, the coefficients for age marital status (married and single); education (primary and secondary); farming experience; size of farm and records keeping were not significant implying that these socio economic variables have no influence on credit accessibility by smallholder rice farmers in Cameroon. It was recommended that information on credit accessibility should be directed towards gender in order to encourage female farmers as well as credit institutions should give appropriate consideration to policy conditions as more favourable terms, collateral security and interest rate during their policy formulation.

international journal of humanities, social sciences and education

An Assessment of the Influence of Socio-Economic Variables on Credit Accessibility by Smallholder Rice Farmers in Cameroon: A Case of the West Region of Cameroon