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Effect of Social Capital on Women Agriprineurs’access to Financial Services in Abia State, Nigeria
Abstract
Access to financial services remains a bottle neck to women in agriculture. Economically empowered women are major catalysts for development as such social network is considered one of the important factors to achieve economic outcomes among women. The study examined the effect of social capital on access to financial services among female agriprineurs in Abia state. A cross sectional data were collected through the use of well- structured questionnaire. The study adopted multistage random sampling technique to select 100 female agripreneurs for detailed study. Simple descriptive statistics such as means, percentages, frequency, likert scale and probit regression were used for analysis. The female agripreneurs had access to financial services majorly from informal sources. The significant financial variable that influenced access to financial services in the study was distance to alternative sources of financial services while significant social capital variables included payback period, membership density index, decision making index, and cash contribution index. The findings showed that belonging to local network or association improves the probability of access for members which can be channeled towards improving their livelihood activities. Therefore, policy makers interested in improving the living conditions of women agripreneurs are advised to factor in social network affiliations as one of the major factors to easy access to financial services.
