case study on agricultural credit guarantee scheme fund

Agricultural Credit Guarantee Scheme Fund (ACGSF) and Agricultural Performance in Nigeria: A Threshold Regression Analysis

17 Pages Posted: 11 Feb 2022

Mubaraq Sulaimon

Erudite Millennium Ltd.

Date Written: November 28, 2021

[enter Abstract Body]Credit financing deficit is one of the key challenges to vibrant agricultural performance in Nigeria. Thus, the Nigerian government in 1977 introduced the agricultural credit guarantee scheme fund (ACGSF) to encourage banks to increase and sustain lending to agriculture. Although several empirical studies have examined the linear effect of ACGSF on agricultural performance, empirical studies are yet to examine its effects on agricultural performance at different values. Hence, this study seeks to fill the gap. Data for the study covered 1981 to 2019 and were analysed using summary statistics, augmented Dickey-Fuller test and threshold regression. Agricultural performance was proxied with real agriculture Gross Domestic Product as a percentage of total real GDP. The estimated threshold values are 68399.7 (₦’ Thousand) and 1059993 (₦’ Thousand). The regression results show that below 68399.7 (₦’ Thousand), ACGSF has a significant positive effect on agricultural performance and a negative effect beyond 1059993 (₦’ Thousand). The real exchange rate has a significant positive effect on agricultural performance while the real interest rate has an insignificant effect. The study concludes that there is an inverted U-shaped relationship between ACGSF and agricultural performance in Nigeria. The paper recommends that the Central Bank of Nigeria should increase the proportion of commercial banks’ credit to agriculture that is guaranteed and reduce the requirements of the scheme to increase the inclusiveness of smallholder farmers that dominate the Nigerian agricultural sector.

Keywords: Agricultural credit; Agricultural performance; Threshold; Nigeria

JEL Classification: [comma separated]Q10; Q14; Q18

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Government Agricultural Credit Policy and Macroeconomic Fundamentals: a case study of Agricultural Credit Guarantee Scheme Fund (ACGSF) in Nigeria

• Sunday Brownson Akpan , O. D. Akpan , Ubon Asuquo Essien
• Published 2012
• Economics, Agricultural and Food Sciences
• Public Policy and Administration Research

11 Citations

Analysis of empirical relationship among agricultural lending, agricultural growth and non-performing loans in nigerian banking system, agricultural credit policy and livestock development in nigeria.

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AGRICULTURAL FINANCING AND ECONOMIC DEVELOPMENT IN NIGERIA: AN ARDL APPROACH ON ACGSF ROLES

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Agricultural Credit Guarantee Scheme Fund in Historical Context: Evidence from Nigeria

• First Online: 27 May 2022

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• Muhammed Sani Dangusau 3  

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This chapter adopts a historical analysis with a focus on Agricultural Credit Guarantee Scheme in Nigeria since 1977. The basic argument is that lack of well-functioning agricultural programs is a major obstacle to the achievement of agricultural development in Nigeria. The study reveals that several credit schemes have been put in place to finance agricultural production. However, these schemes have not been able to provide adequate loans to farmers. Thus, this chapter aims to unearth the reasons for inadequacies in resolving the poor performance of the scheme. It recommends among other things that farmers should be granted opportunities to have cooperative societies in order to easily obtain funds without the usual stringent conditions.

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Dangusau, M.S. (2022). Agricultural Credit Guarantee Scheme Fund in Historical Context: Evidence from Nigeria. In: Wamboye, E.F., Fayissa, B. (eds) The Palgrave Handbook of Africa’s Economic Sectors. Palgrave Macmillan, Cham. https://doi.org/10.1007/978-3-030-75556-0_6

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Four case studies on credit guarantee funds for agriculture.

"Four case studies on credit guarantee funds for agriculture" is an in-depth analysis of different models of guarantee system. An assessment of these cases, together with a review of the global industry of agricultural guarantee systems, was published as "Credit guarantee systems for agriculture and rural enterprise development". The four case studies in this document provide the reader with a more detailed description of how these individual programmes have worked over time. Three of the programmes are among the largest and longest standing agricultural guarantee funds in the world, and have had both successful and difficult experiences as they evolve over time. The fourth case, from Estonia, shows how a small, efficient guarantee fund can operate profitably year after year.

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Agricultural Credit Guarantee Scheme Fund And Its Effect On Agricultural Output In Nigeria

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Government Agricultural Credit Policy and Macroeconomic Fundamentals: a case study of Agricultural Credit Guarantee Scheme Fund (ACGSF) in Nigeria

2012, Public Policy and Administration Research

Related Papers

Global Journal of Agricultural Sciences

Nkang Moses Nkang

Dr. Osuma Godswill

This study’s aim was to examine the influence of agricultural credit on Nigeria's economic growth for the period of 1981-2017. Data is sourced from Central Bank of Nigeria (CBN) statistical bulletin and world development indicator (WDI). The detailed objectives are to analyze the effect of the Agricultural credit guarantee scheme fund (ACGSF) and the deposit money bank credit to agric sector (DMBCA) on Nigeria's Economic Growth. Data was analyzed using the test for stationarity, Auto-Regressive Distributed Lag (ARDL). ARDL is adopted due to the mixed order of stationarity of the variables at levels and first difference. From the research results, it was established, in the long run, that DMBCA is significant and there exists a direct relationship, only in the short run, and the ACGSF is insignificant both the short and long run but has a direct relation in the short run and an inverse relationship in the long-run. Therefore, it is recommended, that the Federal Government sho...

Journal La Bisecoman

James Ihemeje

The study examined the effects of agricultural financing on the performance of agricultural sector in Nigeria using annual time series data. The data for the study was sourced from the Central Bank of Nigeria (CBN) Statistical Bulletin. Contribution of agriculture to GDP was used as proxy for the performance of agricultural sector, commercial banks loan to agriculture, rain fall, government expenditure to agriculture and interest rate were used as proxy for explanatory variables. Following unity in the order of integration, Johansen cointegration approach was used to check for the long run relationship among the variables. Vector autoregressive estimate the vector correction mechanism was used to examine the speed of adjustment of the variables from the short run dynamics to the long run equilibrium. The study found that there is long run relationship among the variables. Specifically; there is significant and long run effect of Agricultural Credit Guarantee Scheme on Contributions ...

International Journal of Economics and Financial Issues

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Invention Journal of Research Technology in Engineering & Management (IJRTEM)

ISRAEL IDEWELE

This study examines the operations of the Agricultural Credit Guarantee Scheme in Nigeria over the period 1991 to 2011 using annual data obtained from secondary sources. Specifically, the study examines the impact of aggregate level and sector level Agricultural Credit Guarantee Scheme fund on Nigeria's agricultural output (Agric GDP). The econometric technique of Ordinary Least Squares was used to analyze the data. The results of this study show that aggregate ACGS, sector level ACGS fund to cash crops and livestock, and foreign exchange rate each has a significant positive relationship with agricultural output in Nigeria, while inflation rate and interest rates each has an insignificant negative relationship with agricultural output in Nigeria. Among the recommendations of this study is that the Nigerian government should continue the use of the credit finance under the ACGS as incentive to encourage farmers increase output. Also modalities should be put in place by the government to lessen the adverse effect of possible appreciation of the Naira against the dollar. These among others will help improve the contributions of the agricultural credit guarantee scheme to agricultural production in Nigeria.

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adekemi ajala

IJMSBR Open Access Journal

This study examines the effect of selected financial indicators on formal agricultural credit supply in Nigeria. Time series data obtained from CBN covering the period 1970-2011 were employed in the study. Data were analyzed using Co-integration and error correction model. The data was first examine for unit roots using the Augmented Dicky Fuller (ADF) test, result which shows that only loan to deposit ratio was stationary at level while the other variables were stationary at first difference. Findings further revealed that loan to deposit ratio, loan to other sectors and previous volume of loan to other sectors all exerted significant negative impact on formal agricultural credit supply in Nigeria. Surprisingly, lending rate carried the expected negative sign but fail to explain the variation in formal agricultural credit supply during the period under investigation. The study advocated for appropriate short and long-run financial policies that would reduce the volume of loan given to other sector. This can be achieved by making agriculture a priority sector in financial Institution's loan disbursement and funding schedule. If possible, the mandatory Commercial bank sectoral credit allocation to agriculture should be increased and adequate monitoring carried out to ensure that bank's disbursement targets are met in line with CBN's prescribed conditions. Also, policies that would reduce the loan to deposit ratio of banks should be pursued. Such policies should be directed towards increasing the interest rate on savings deposit. This would increase the volume of bank deposit and savings which would, invariably, enhanced their liquidity position.

Kufre Bassey

2 Olorunsola E. Olowofeso, Adeyemi A. Adeboye, Valli T. Adejo, Kufre J. Bassey 3 and Ochoche Abraham This paper investigates the relationship between credit to agriculture and agricultural output in Nigeria by means of nonlinear autoregressive distributed lag (NARDL) model using a time series data from 1992Q1 to 2015Q4. Results show no evidence of asymmetry in the impact of credit to output growth in the agricultural sector (positive and negative changes) in the short-run, but different equilibrium relationships exist in the long-run. The dynamic adjustments show that the cumulative agricultural output growth is mostly attracted by the impact of the positive changes in credit to agriculture with a lag of four quarters of the prediction horizon. This calls for the need for a policy on moratorium on credit administration to agricultural sector.

Ibeinmo F Cookey

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