ASSESSMENT Of THE IMPACT OF FORMAL CREDIT ON THE PRODUCTIVITY OF SMALL-SCALE AGROFORESTRY FARMERS IN KADUNA STATE, NIGERIA

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Formal credit significantly affects the productivity of small-scale agroforestry farmers, improving their livelihood.
Probit model analysis revealed a direct influence from age and farming experience on participation in agroforestry practices.
Data collected from 250 farmers through a structured questionnaire used multistage sampling for representative results.
Most respondents were educated, and financial accessibility showed essential requirements for loan eligibility.

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Assessment shows formal credit improves productivity in small-scale farmers in Kaduna, suggesting pathways to enhance economic stability.

Ayodele et al. (2025) studied this question.

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