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Women Fish Processors' Perceptions of Micro-credit by Source in Ondo State, Nigeria Public Deposited

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Suggested Bibliographic Reference: Challenging New Frontiers in the Global Seafood Sector: Proceedings of the Eighteenth Biennial Conference of the International Institute of Fisheries Economics and Trade, July 11-15, 2016. Compiled by Stefani J. Evers and Ann L. Shriver. International Institute of Fisheries Economics and Trade (IIFET), Corvallis, 2016.

Proceedings of the Eighteenth Biennial Conference of the International Institute of Fisheries Economics and Trade, held July 11-15, 2016 at Aberdeen Exhibition and Conference Center (AECC), Aberdeen, Scotland, UK.

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  • This study explored how micro-credit benefits women processing cultured catfish into smoked form by obtaining and analyzing their perceptions. The specific objectives included identifying micro-credit sources used, sources preferred and ranking factors considered when deciding on a micro-credit choice. Multi-stage sampling technique was used in selecting 120 processors analyzed. Analytical tools used included descriptive and inferential statistics. About 92.0% of the respondents was between 25-55 years indicating being economically active. About 17.0%, 38.7% and 44.0% of respondents sourced micro-credit from Cooperatives, Family/Friends and Government, respectively. Eighty-eight percent of micro-credit users accessed it in the last one year and 78.0% utilized it for intended purposes. Also, 78.0% disagreed or strongly disagreed with the statement that access to micro-credit is particularly difficult for women. T-test revealed that profit made by users was significantly higher than that of non-users. There were varied perceptions by respondents in terms of statements relating to aspects of micro-credit from various institutions. The four most popular reasons considered in the choice of micro-credit included timeliness of funds release (93.7%), magnitude (77.8%), speed of application processing (67%) and severity of reprisals during default (56.4%). These reasons were ranked first to third by 32.0% of micro-credit users. Present a guarantor (62.5%) and depositing part of the micro-credit as saving (37.5%) were the most mentioned constraints. It is concluded that micro-credit is a veritable means of keeping women fish processors productive and thus government policies meant to encourage more women to access and effectively use it need be put in place.
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  • 0976343290

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