Determinants of demand and supply of agricultural credit to small farmers in the City of Kinshasa

Déterminants de la demande et de l'offre du crédit agricole aux petits exploitants de la Ville de Kinshasa

Frédéric Tshimpaka Kalala (), Jean-Claude Nkashama Mukenge (), Glodie Tshibola Biduaya () and Edwige Mbiya Mukala ()
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Frédéric Tshimpaka Kalala: UPC - Université protestante au Congo
Jean-Claude Nkashama Mukenge: UPC - Université protestante au Congo
Glodie Tshibola Biduaya: UPC - Université protestante au Congo
Edwige Mbiya Mukala: UPC - Université protestante au Congo

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Abstract: This study aims to determine the explanatory factors of agricultural credit demand and the key factors of agricultural credit supply. To achieve this objective, we respectively conducted a survey of 161 farmers in the city of Kinshasa and interviewed 3 microfinance institutions. After analysis, the results showed that 14% of farmers have already requested agricultural credit. The probability of requesting credit increases among individuals aged 30-39, married individuals, high school graduates or higher, experienced in agriculture, those with some knowledge of agricultural credit, those with an account at a microfinance institution, those with family and wage labor, and those belonging to an associative movement. On the other hand, the probability of requesting credit decreases based on gender (male), practicing agriculture for consumption and marketing reasons, cultivating vegetables and cereals, and housing status (tenant). Furthermore, as for agricultural credit supply, the results revealed that the socio-economic factors of farmers and the conditions imposed by institutions are the key factors of agricultural credit supply.

Keywords: Farmers; Kinshasa; Agriculteurs; Crédit agricole; Demande; Offre; Agricultural credit; Demand; Supply (search for similar items in EconPapers)
Date: 2023
New Economics Papers: this item is included in nep-agr
Note: View the original document on HAL open archive server: https://hal.science/hal-04602781
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Published in African Scientific Journal, 2023, 03 (20), pp.1072 - 1098. ⟨10.5281/zenodo.10159185⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04602781

DOI: 10.5281/zenodo.10159185

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