Assessing the Participatory Aspects of Credit Programmes – Evidence From a Village Adoption Scheme in Nigeria

Assessing the Participatory Aspects of Credit Programmes - Evidence From a Village Adoption Scheme in Nigeria A major choice for governments in developing countries is that of strategies for agricultural and rural development. The centrality of a system of affordable agricultural credit to most rural development efforts makes credit programmes  a top priority. In Nigeria, as in other developing countries, large-scale directed credit programmes have proved far too costly to manage, dogged as they are by poor co-ordination, inadequate funding, administrative overlap, corruption and general inefficiencies. The failings of mainstream financial institutions in rural (and agricultural) lending generally, and in Nigeria in particular, are considered elsewhere (see Hoff and Stiglitz, 1990; Oloniniyi, 1977). In Nigeria, such programmes as the...
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