Abstract
Agricultural producers visit many institutes in the search of
credit to finance their agricultural activities. Also, the demand of the
agricultural credit to invest in exploitations through powerful technological
choices is always present. The importance of the topic conducts us to work
about micro-finance and new technological package's adoption of rice production
in the district of Collines. The two specific objectives which support this
research are:
- to determine the role of the credit on new technological
package's adoption of rice's production.
- to analyze the adaptability of the
financial services available in the area under study to the improved rice
production.
To achieve these goals, two assumptions were tested. It is
about:
- the access to the credit facilitates the adoption of new
technologies by the rice producers.
- the terms of credit offered by the micro-finance structures
are not adapted to the requirements of rice production.
The study was conducted in eight (8) villages of Colline's
district and has consisted in an investigation on rice growers in the area and
on the MFI (Micro-Finance Institutions) intervening there as well. On the
whole, 155 rice growers and 21 MFI intervening in the area study were
surveyed.
In order to evaluate the role of the credit in the adoption of
the new technological packages, a model of multinomial logistic regression on
the determinants of new technological package's adoption of rice was used. For
this model, 4 levels of adoption of the technological packages of rice
production were distinguished. There are:
Adoption 0: The lack of use of improved varieties of rice and
of fertilizer and of herbicide for rice production.
Adoption 1: The use of at least one improved variety of rice
without the use of fertilizer and herbicide;
Adoption 2: The use of at least one improved variety of rice
plus the application of only one type of fertilizer without the use of
herbicide;
viii
Léonie KOUMASSA : Thèse d'Ingénieur
Agronome, Décembre 2007
Contribution de la micro-finance à l'adoption de nouveaux
paquets technologiques de production de riz dans le département des
Collines
Adoption 3: The use of at least one improved variety of rice
plus the application of the two types of fertilizer without the use of
herbicide;
Adoption 4: The use of at least one improved variety of rice
plus the application of the two types of fertilizer and the herbicide;
It comes out that, the access to credit determines the new
technological package adoption with a significant threshold of 5%.
So, factors like sex, number of people working with the grower
on field, the number of people fed by the grower, household size of rice grower
and the social status, are determinant in the adoption of the new technological
packages of rice production.
With regard to the analysis of the adaptability of the credit
terms to the needs for adoption of technological packages, the operating chart
of rice production integrating the new technological packages was carried out.
The tests of comparison between the guarantees required and those available
producer's level, between the expiries of refunding practised and those
adequate and between the amounts granted and those necessary were carried
out.
This revealed that local interest rates are compatible with
the needs for financing rice production when the producers apply the new
technological packages. On contrary, the amounts of credit granted by the MFI,
the expiries of refunding applied as well as the guarantees required do not
satisfy the needs of rice growers in the adoption of the new technological
packages.
With regard to all these considerations, it would be
interessant for MFI of the area under study, to offer within this framework
standardized financial products which take into account the needs of rice
growers for the adoption of the advised technological
packages.
Key words: Technological Package, Adoption,
Micro-finance, Credit, Rice, District of Collines.
ix
Léonie KOUMASSA : Thèse d'Ingénieur
Agronome, Décembre 2007
Contribution de la micro-finance à l'adoption de nouveaux
paquets technologiques de production de riz dans le département des
Collines
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