Impact of Agricultural Financing in Performance of Smallholder Farmers: A Case of AGITF Borrowers in Morogoro Region.

Matimbwa, Imani Ally (2025) Impact of Agricultural Financing in Performance of Smallholder Farmers: A Case of AGITF Borrowers in Morogoro Region. Masters thesis, The Open University of Tanzania.

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Abstract

This study was conducted to assess the impact of agricultural financing in performance of smallholder farmers who benefited from Agricultural Inputs Trust Fund (AGITF) in the Morogoro region, Tanzania. The study was specifically aimed to determine the influence of modern agricultural technologies, contribution of credit accessibility and contribution of market accessibility on performance of smallholder farmers. The Risk Aversion Theory was employed as it influencing farmers' decision-making regarding agricultural investments, production choices, and financial management. The study employed probability sampling techniques to select respondents of the study. The data was collected by using questionnaires administered to 136 respondents sampled using Taro Yamane (1967 sample size determination formula. The data was analyzed using descriptive statistical analysis, factor analysis, and multiple regression analysis. The findings showed that there is a positive outlook among smallholder farmers towards modern agricultural technologies and credit accessibility. Furthermore, market accessibility has a positive impact as it is perceived as instrumental in enhancing economic outcomes. The regression analysis and factor analysis showed that, Market accessibility consistently emerges as a significant predictor of various performance outcomes. Modern technologies showed a marginally significant negative association with some indicators while credit accessibility fails to show significant effects on most performance indicators. Lastly, the study recommended that agricultural financing requires a multifaceted approach for better improvement. Keywords: Agricultural Financing, Smallholder Farmers, Agricultural Inputs Trust Fund, Modern Agricultural Technology.

Item Type: Thesis (Masters)
Subjects: 600 Technology > 658 Gerneral management
Divisions: Faculty of Business Management > Department of Marketing and Entrepreneurship
Depositing User: Mr Habibu Kazimzuri
Date Deposited: 11 Dec 2025 06:06
Last Modified: 11 Dec 2025 06:06
URI: http://repository.out.ac.tz/id/eprint/4792

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