Enhancing Crop Yields through Credit Access among Female Smallholder Farmers in Ogun State, Nigeria

Adeyemi Olaoluwa Bamigboye and Tina Akinbo
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Adeyemi Olaoluwa Bamigboye: Department of Management & Accounting, Faculty of Management & Social Sciences, Lead City University, Ibadan, Oyo State, Nigeria
Tina Akinbo: Department of Management & Accounting, Faculty of Management & Social Sciences, Lead City University, Ibadan, Oyo State, Nigeria

Lead City Journal of the Social Sciences (LCJSS), 2026, vol. 11, issue 1, 105-119

Abstract: Limited access to credit remains one of the most significant structural barriers to agricultural transformation in developing economies, especially for female smallholder farmers. Without the financial tools necessary to invest in quality inputs, technologies, and markets, these women find themselves trapped in cycles of low productivity and poverty. This study examined how access to credit enhanced crop yields among female smallholder farmers in Ogun State, Nigeria. The study was anchored on the Theories of Financial Inclusion Delivery (Public-Private Partnership (PPP). The study employed descriptive quantitative research design. Using a multi-stage sampling procedure, 295 respondents were randomly selected from the 1,228 female smallholder farmers belonging to the female farmer organizations across eight LGAs of Ogun State. Data were gathered using a structured questionnaire and were analyzed using descriptive statistics and regression analysis. Findings revealed a significant relationship between credit access and crop yield (β = 0.521, p

Keywords: Agricultural Productivity; Credit Access; Smallholder Farmers; Public-Private Partnerships (PPP) (search for similar items in EconPapers)
Date: 2026
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