Abstract: The study analyzed determinants of transaction costs for borrowers among farmers in Ikwuano Local Government Area of Abia State, Nigeria. The specific objectives were to; examine the socio-economic characteristics of the respondents in the study area, evaluate transaction costs incurred by borrowers in the study area, estimate and analyze factors that affect transaction costs and identify the constraints in accessing credit. Multi-stage randomized sampling technique was used to elicit data from 60 borrowers in the study area. Descriptive statistics were used to evaluate transaction costs and socio-economic characteristics of the respondents while multiple regression analysis was used to measure the determinants of transaction costs. The study showed that distance to the credit institution, age of the farmer, interest rate, loan size and membership of cooperatives were positive and significantly related to transaction costs. Assets of the farmer and information services were negative and significantly related to transaction costs. Level of education of the farmer, savings and gender were positive but not significant to transaction costs. Lack of collateral and high interest rates were the most important constraints of borrowers in the study area. Given that credit is an important policy instrument to facilitate use of modern technologies in rural areas such as the study area, interest rate should be drastically reduced with creation of good infrastructures in view for use of the loans by these farmers who produce the bulk of food consumed by the generality of the people.

Abstract: Self Help Groups (SHGs) emerge as an important strategy for empowering women and to alleviate poverty. India’s SHG movement has emerged as the world’s largest and most successful network of Community Based Organisations (CBOs). However, quality is the major challenge that the SHG movement is confronted with at this point of time in the country. The main objective of this paper is to assess the opinion of the direct stakeholders of SHGs regarding the issue whether SHG is an empowerment model. The study is conducted by using multi-stage random sampling method to collect primary data from the selected Development Blocks of Nagaon districts of Assam comprising promoter, donor, financial institutions and group members. From the ANOVA on overall score of variables on empowerment model, we conclude that at least one of the groups is not significantly different from the others. It is further observed from the descriptive statistics on item wise perception of stakeholders about SHG as empowerment model, out of forty (40) elements of empowerment, in thirty four (34) elements relating to Empowerment construct relating to SHGs whose mean value is positive are considered as the main elements of the respective construct.

Abstract: This study empirically analyzed the determinants of poverty among rural farmers in Ondo State, Nigeria. Primary data were used and a sample of 285 farm households through a multistage sampling technique was drawn from the study. The data collected were analyzed using descriptive statistics, Foster-Greer-Thorbecke (FGT) poverty measure, Gini coefficient and probit regression analysis. The findings revealed that 81.8%, 81.1% and 34.1% of the respondents were male, married and no formal education respectively. The average household’s age was over 50 years’ old which implies that the respondents were fairly old and experienced. 59.3% of the respondents were actually poor while 27.6% of the poverty line (580.42 USD) was needed to get out of poverty. The result of Gini coefficient (0.492) implies average level of income inequality among the respondents. The result of logit regression model indicated that age, gender, marital status, household size, access to credit, farm income and educational level of the respondents were the major determinants of poverty among rural farm households. It was further shown that reducing the frequency of eating per day, engaged in non-farming activities, praying and fasting, and seeking help from friends/relatives were the major strategies for coping with poverty syndrome in the study area. Therefore, government should design holistic policies that will focus on the factors highlighted above in order to alleviate poverty and improve the welfare of the rural farmers in the study area.

Abstract: Fish is an important source of protein which is highly needed for human beings to experience necessary growth and development. This is the reason for the phenomenal rise in the consumption of fish in order to meet up with the body nutritional requirements. Therefore, marketing of this source of protein is inevitable as its distribution depends largely on the structure of the marketing system. This study examined the structural performance of artisanal fish marketing in Ondo State, Nigeria. Data collected from 250 artisanal fish sellers selected using multistage sampling technique were analysed using descriptive statistics, marketing and gross margin, Gini coefficient and Lorenz curve analyses. The results showed that artisanal fish marketing was profitable with a mean net return of N137.10/kg ($0.85/kg). The estimated value of the Gini coefficient determined was 0.64, indicating the presence of inequality in the share of the artisanal fish market in the study area. It was realized that all the respondents in the study area, mentioned poor transport network, high transport cost, inadequate fund and inadequate storage facilities as major problems confronting artisanal fish market in the study area. Therefore, programmes that will improve fish marketing should be organized for fish marketers by the relevant government parastatals, extension workers, Non Governmental Organizations and the artisanal fish marketers should be sensitized on the formation of better organized fish marketing cooperative societies where they can solve some of their problems themselves.

Abstract: Malaria fever appears to be one of the leading causes of mortality in Nigeria. Improper health seeking behaviour for effective treatment is still a great concern for health practitioners especially in rural areas. The study examined knowledge of causes of malaria and malaria belief as determinants of health seeking-behaviour in Oye-Ekiti, Ekiti sate, Nigeria. A cross sectional survey research design was used to examine variables of interest in the study. A sample of 187 (86 males, 101 females) community members with mean age of 25.95 years participated in the study. Three hypotheses were tested in the research. Knowledge of causes of malaria has a significant influence on health-seeking behaviour (t = 3.98; df = 185; p < .05). Malaria belief has no significant influence on health-seeking behaviour among respondents (t = -1.36; df = 185; p > 0.05). Gender has no significant influence on health-seeking behaviour (t = 0.51; df = 185; p > .05). It is concluded that knowledge of the transmission of malaria is still vital in seeking for effective treatment measures in rural area like Oye-Ekiti, in Ekiti state. There is a need for a community-based enlightenment on transmission of malaria in this area for effective health seeking-behaviour.