Credit Reserve and the Demand for Agricultural Loans in Cross River State, Nigeria

Innocent Asuquo, Uket Ofem, Eucharia AJAH


This paper analyses credit reserve amongst small scale crop farmers and its use in the demand for loans from banks in Cross river State, Nigeria. 101 crop farmers from the three agricultural zones of Cross River State were randomly sampled. The results showed that the mean credit reserve of these farmers was N435, 332.89 (USD 2720.83). Age, level of education farm size and the amount of credit reserve owned were positively related to the demand for agricultural loans.

Keywords: Credit reserve, small-scale farmers, loans, Cross River State, Nigeria.

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ISSN (Paper)2224-3208 ISSN (Online)2225-093X

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