DETERMINANTS OF FARMERS'' DECISION TO ACCESS CREDIT: THE CASE OF ZIMBABWE

In developing countries, improvement in productivity through investment in productive ventures, especially in the agricultural sector where majority of the population derive their livelihood is necessary for accelerated economic growth. In this study we look at the determinants of rural households' decision on credit. The study used random sampling of 20-30 farm households from each district and 97 families responded to the questionnaire. The study concluded that the type of crop, household size and gender of household head positively affected the decision by households to borrow while age squared negatively affects decision to borrow.