{"id":2854,"date":"2025-06-30T08:46:07","date_gmt":"2025-06-30T08:46:07","guid":{"rendered":"https:\/\/sobe.kibu.ac.ke\/?p=2854"},"modified":"2025-12-24T19:34:40","modified_gmt":"2025-12-24T19:34:40","slug":"examining-the-effect-of-household-economic-factors-on-access-to-agricultural-financing-among-small-scale-farmers-in-kenya","status":"publish","type":"post","link":"https:\/\/kibu.ac.ke\/sobe\/examining-the-effect-of-household-economic-factors-on-access-to-agricultural-financing-among-small-scale-farmers-in-kenya\/","title":{"rendered":"Examining the Effect of Household Economic Factors on Access to Agricultural Financing among Small-Scale Farmers in Kenya"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2854\" class=\"elementor elementor-2854\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a0728d6 elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-section-height-default\" data-id=\"6a0728d6\" data-element_type=\"section\" id=\"ourgoal\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ea1a08d\" data-id=\"5ea1a08d\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6c740072 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"6c740072\" data-element_type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Examining the Effect of Household Economic Factors on Access to Agricultural Financing among Small-Scale Farmers in Kenya<\/h1>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2daaa9e5 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"2daaa9e5\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d75d534\" data-id=\"4d75d534\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1c5c40d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1c5c40d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-36720446 elementor-invisible\" data-id=\"36720446\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a50c419 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"6a50c419\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1162f860 elementor-invisible\" data-id=\"1162f860\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-69ced31e elementor-widget elementor-widget-heading\" data-id=\"69ced31e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">KIBU Authors<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39a0ce13 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"39a0ce13\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Brian Wanyama Singoro<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-1de67450 elementor-invisible\" data-id=\"1de67450\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-583c0088 elementor-tablet-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"583c0088\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-shrink\" href=\"https:\/\/www.irejournals.com\/paper-details\/1709382\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VIEW ON PUBLISHER SITE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-10d4517b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10d4517b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-5b16512 elementor-invisible\" data-id=\"5b16512\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_mobile&quot;:&quot;none&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18b21acc elementor-widget elementor-widget-heading\" data-id=\"18b21acc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Abstract<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ed40f8d elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5ed40f8d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Access to agricultural financing remains a critical challenge for small-scale farmers globally, with household economic factors playing a pivotal role in determining credit accessibility. This study examines how household economic characteristics influence small-scale farmers&#8217; access to agricultural financing in Kenya. Using secondary data from various sources including World Bank reports, agricultural surveys, and peer-reviewed studies, this research analyzes the relationship between household income levels, asset ownership, farm size, educational attainment, and access to formal and informal credit sources in the Kenyan context. The findings reveal that household income, collateral availability, farm size, and educational level significantly influence farmers&#8217; ability to access agricultural credit in Kenya. The study shows that small-scale farmers face both supply-side and demand-side credit constraints, with only 36-40% having access to formal credit. Supply-side constraints include stringent collateral requirements and lengthy application processes, while demand-side factors encompass risk aversion and information asymmetries. The research recommends policy interventions focusing on financial inclusion, capacity building, and development of innovative credit products tailored to small-scale farmers&#8217; needs in Kenya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>2025 KIBU Authors Brian Wanyama Singoro VIEW ON PUBLISHER SITE Abstract Access to agricultural financing remains a critical challenge for small-scale farmers globally, with household economic factors playing a pivotal role in determining credit accessibility. This study examines how household economic characteristics influence small-scale farmers&#8217; access to agricultural financing in Kenya. Using secondary data from [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-2854","post","type-post","status-publish","format-standard","hentry","category-research-list"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Examining the Effect of Household Economic Factors on Access to Agricultural Financing among Small-Scale Farmers in Kenya - School of Business and Economics<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kibu.ac.ke\/sobe\/examining-the-effect-of-household-economic-factors-on-access-to-agricultural-financing-among-small-scale-farmers-in-kenya\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Examining the Effect of Household Economic Factors on Access to Agricultural Financing among Small-Scale Farmers in Kenya - School of Business and Economics\" \/>\n<meta property=\"og:description\" content=\"2025 KIBU Authors Brian Wanyama Singoro VIEW ON PUBLISHER SITE Abstract Access to agricultural financing remains a critical challenge for small-scale farmers globally, with household economic factors playing a pivotal role in determining credit accessibility. 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