Comparative Analysis of Agricultural Credit Users and Non -Credit Users among Cassava Farmers in Ohafia Local Governmnet Area of Abia State, South East, Nigeria

The study was designed to investigate the comparative analysis of agricultural credit users and non-users among cassava farmers in Ohafia Local Government Area of Abia State. A sample of 50 credit users and 50 non-credit user cassava-based farmers were selected by multistage random sampling technique. Data were collected with a well structured questionnaire administered to a total of 100 randomly selected cassava farmers. Data collected were analyzed using descriptive statistics, inferential statistics and ordinary least square multiple regression technique. The socio-economic characteristic of the farmers revealed that majority of the credit users were educated. Besides, majority of them also had appreciable experience in cassava farming which makes them better cassava farmers. Marital status, level of education, farming experience and household size are important factors that determine farm revenue for both group of farmers. Age was found to be significant and negative. It becomes imperative therefore to enhance farmers’ income and living standard by encouraging them to use agricultural credit in cassava production.