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Co-operative influence on Women’s Access to Credits in Parts of Kano and Jigawa States
Confluence Journal of Environmental Studies (2017)
  • Nuratu Muhammed, Bayero University Kano, Nigeria
The achievement of the Sustainable human development as developed by the United Nations in 1993 depends on among other factors accessibility of women to production resources and participation in cooperative organizations. Therefore, resulting differences in access to resources, resource management and distribution among men and women within the household and the community raises a lot challenges in the access of credit facilities for women in some rural areas of Kano and Jigawa State. The need for women to expand their productive activities through access to credits formed the bases for this work.  A total of 200 female co-operative members drawn from the list of 669 selected co- operative members in the villages were selected through a process of stratified random sampling while a total of 110 female non cooperative members  through systematic random sampling technique. The data collected was analyzed using descriptive statistics, Logit model and correlation statistical tests. The results of the study showed that women’s access to credit are constraint by inadequate,   knowledge, distance from bank, lack of collateral and a lot of  protocols which  more than half (57%) female co-operators  and over half (68%) of female non co-operators affirmed to. The study also revealed a strong positive correlation between education and membership of cooperatives The conclusion drawn from the study revealed significant difference in access to credits and income of female co-operative members and female non co-operative members.  The logit model result show that membership of cooperatives was significant at .001 percent with 36.737 likelihood was influential in access of women to credit sourced from government and this was engineered through the activities of development officers of the ministry of women affairs. It is recommended that women should be encouraged to participate in viable cooperative organizations for them to benefit in development programmes crucial for their socio economic empowerment.
  • Women,
  • gender,
  • rural,
  • credits,
  • co-operatives and empowerment
Publication Date
Spring March 9, 2017
Citation Information
Nuratu Muhammed. "Co-operative influence on Women’s Access to Credits in Parts of Kano and Jigawa States" Confluence Journal of Environmental Studies Vol. 11 Iss. 1 (2017) p. 41 - 54 ISSN: 1597-5827
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