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Credit Access and Technology Adoption by Smallholder Livestock Farmers:

Credit Access and Technology Adoption by Smallholder Livestock Farmers: Empirical Evidence from South Vietnam Presentation by Dr. Ma. Lucila Lapar 13 th AAAP Animal Science Congress ICC, Hanoi, Vietnam 24 August 2008. Issues in Bin Phuoc, S. Vietnam. low productivity of mixed crop-

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Credit Access and Technology Adoption by Smallholder Livestock Farmers:

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  1. Credit Access and Technology Adoption by Smallholder Livestock Farmers: Empirical Evidence from South Vietnam Presentation by Dr. Ma. Lucila Lapar 13th AAAP Animal Science Congress ICC, Hanoi, Vietnam 24 August 2008

  2. Issues in Bin Phuoc, S. Vietnam • low productivity of mixed crop- livestock systems in rainfed areas • productivity enhancing technologies introduced, e.g., high-yielding cassava and grass varieties for feed, UMMB supplementation - CASREN • adoption by farmers constrained by lack of capital • inefficient credit delivery system, biased against poor

  3. Smallholders No land title Small land size Low-value assets Low income Expenditures exceed income Lack of collateral No liquidity Cannot meet loan conditions Not able to gain access to formal credit Lack of capital

  4. More HH experience cash Shortage during critical periods of agricultural production cycle

  5. Incidence of cash shortages is higher among non-borrowing than borrowing HH and for longer periods

  6. Access to credit affects household • welfare outcomes through 3 • pathways: • alleviating capital constraints • increasing risk-bearing ability and altering risk-coping strategy • smoothing consumption

  7. Perceived benefits from credit access according to survey respondents

  8. More HH used loans obtained for Farming purposes

  9. More HH used loans for crop and livestock production purposes

  10. Probit analysis of factors determining access to credit by farmers in Dong Tam

  11. Despite credit policy reform (1997) facilitating credit access by poor through issuance of non-secured loans, 90% of survey respondents indicated that land title is still required from all applicants.

  12. Implications for policy • credit as a catalyst for technology adoption • supportive credit policy and secure property rights are necessary elements to enhance smallholder access – long term strategy • alternative models for credit delivery suitable to smallholder conditions need to be explored – short to medium term strategy

  13. International Livestock Research Institute Better lives through livestock Animal agriculture to reduce poverty, hunger and environmental degradation in developing countries ILRI  www.ilri.org

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