بازپرداخت وام و تبعات آن بر امور مالی کشاورزی در غنا: مطالعة موردی بر برنامة کشاورزی MiDA
Subject Areas : Farm Management
ماکسول آمدی
1
,
موسس دوماییری
2
,
عبدالرشید محمد
3
1 - World Vision International, Ghana
2 - گروه بانکی و دارایی، دانشکده تجارت و حقوق، دانشگاه مطالعات توسعه، غنا
3 - دانشگاه مطالعات توسعه، غنا
Keywords: MiDA, امور مالی کشاورزی, بازپرداخت وام, مدل رگرسیون توبیت, شالیکار,
Abstract :
در این مطالعه به عملکرد بازپرداخت وام در میان شالیکاران تحت برنامة اعتبار کشاورزی MiDA در منطقة شهری هوهوی پرداخته شده است. داده‌های اصلی از 120 کشاورز در چهار شهر ذینفع جمع‌آوری شدند درحالی‌که برای جمع‌آوری داده‌های ثانویه از منابع و بازیگران مختلف استفاده شد. پاسخ‌دهنده‌ها ازطریق تکنیک نمونه‌گیری تصادفی چندمرحله‌ای انتخاب شدند. داده‌ها توسط آزمون تی و مدل رگرسیون توبیت تحلیل شدند. نتایج آزمون تی نشان داد که مقدار وام درخواستی و مقدار وام دریافتی کشاورزان تفاوت معنی‌داری (p < 0.001) داشتند. از بین 10 متغیر توضیحی که در مدل رگرسیون توبیت لحاظ شدند، پنج متغیر معنی‌دار بودند. عوامل معنی‌دار (p < 0.001) عبارت بودند از جنسیت، تعداد اعضای خانوار، تعداد اعضای گروه، مقدار خروجی و به‌موقع بودن زمان پرداخت وام.
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