Logo Lanfrica
  • Accueil
  • Atlas
  • Analyses
  • Documentation
  • Sign in

© 2026 Lanfrica. Tous droits réservés. Tous les droits d'auteur des ressources affichées sur le site Web Lanfrica appartiennent aux détenteurs de droits d'auteur d'origine, sauf indication contraire explicite.

Determinants of Access to Formal Credit by the Poor Households

Domaine:

socioeconomic

Type de record:

paper
Créateur:
MduBia
Éditeur:
Wal
Hôte:
Abstract This paper investigates the determinants of access to formal credit by poor households in South Africa. Despite some progress in poverty reduction in the recent years, it remains astonishingly high by historical and international standards. Access to credit is believed by some scholars to be a primary means to address poverty and improve the standards of living of poor households. Thus, it is necessary to identify the determinants of the propensity to borrow and of the amount that is borrowed. Using 2008-2012 data from the National Income Dynamics Study (NIDS), a Heckman Selection model was estimated. The results from this study suggest that age of the household head, race, educational level, gender, employment, geographic location of households affect the propensity to borrow by poor households in South Africa.

Visit

doi.org

Licenses

http://creativecommons.org/licenses/by-nc-nd/4.0

Similaires

Analysis of factors affecting agribusiness cooperators’ access to credit from formal sources in Abia State, NigeriaACCESS TO CREDIT AND RICE PRODUCTION EFFICIENCY OF RURAL HOUSEHOLDS IN BENUE STATE, NIGERIAThe welfare impact of targeted transfers to poor householdsDeterminants of Demand and Participation by Poultry Farmers in Formal and Informal Credit Market in Cross River State, NigeriaAccess to Sanitation Facilities among Nigerian Households: Determinants and Sustainability ImplicationsAccess to and investment of formal micro credit by small holder farmers in Abia State, Nigeria. A case study of Absu Micro Finance Bank, Uturu

Analysis of factors affecting agribusiness cooperators’ access to credit from formal sources in Abia State, Nigeria

ACCESS TO CREDIT AND RICE PRODUCTION EFFICIENCY OF RURAL HOUSEHOLDS IN BENUE STATE, NIGERIA

The study was conducted to examine access to credit and rice production efficiency of rural househol

The welfare impact of targeted transfers to poor households

Despite widespread poverty there is general consensus among policymakers about the preference of tar

Determinants of Demand and Participation by Poultry Farmers in Formal and Informal Credit Market in Cross River State, Nigeria

A typical challenge for the over 65 percent of the Nigerian population living in the rural areas and

Access to Sanitation Facilities among Nigerian Households: Determinants and Sustainability Implications

Access to improved sanitation facilities is key to the socioeconomic wellbeing and sustainable devel

Access to and investment of formal micro credit by small holder farmers in Abia State, Nigeria. A case study of Absu Micro Finance Bank, Uturu

Inadequate capital is a major problem confronting small-scale enterprises including farmers in Niger