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University of Agricultural Sciences GKVK Bengaluru (2013)

POST RESETTLEMENT LOAN AND ITS IMPACT ON FARM INCOME IN NAMIBIA – AN ECONOMIC STUDY

SHAANIKA, ANATOLIA ETUHOLE

Titre : POST RESETTLEMENT LOAN AND ITS IMPACT ON FARM INCOME IN NAMIBIA – AN ECONOMIC STUDY

Auteur : SHAANIKA, ANATOLIA ETUHOLE

Université de soutenance : University of Agricultural Sciences GKVK Bengaluru

Grade : Master of Science (MS) in Agricultural Economics 2013

Résumé
Post resettlement loan is a medium term agricultural credit for land reform beneficiaries. It aims to help them to meet their farming needs at a competitive interest rate. The study analyzed growth of post resettlement loan, its impact on growth of livestock enterprise. Further, the study analysed cost and return from livestock enterprise, repayment of the loan and factors influencing them. The study assessed the constraints in availing and utilization of the loan toward resettlement. Primary data was analysed using exponential growth model, Wilcoxon signed–rank test, linear regression analysis, cost and return analysis and percentages. Post resettlement loan disbursed showed positive compound growth rate. There was a significant difference in the number of livestock owned before and after the loan. There were weak relationships between the dependent variable and independent variables that were considered to be influencing number of livestock. Feed and veterinary medicine formed the major cost component. Return per Namibian dollar of cost incurred was N$5.5. Beneficiaries face no difficulty in availing the post resettlement loan provided they have all required documents. Beneficiaries repay the dues on time as the bank has relaxed the repayment norms and has allowed borrowers to make payment in any month of the year. An interest holiday in the loan repayment schedule would enable farmers, who are new to commercial farming, to settle down and learn the nuances of livestock farming. Number of years considered to measure the impact of post resettlement loan is insufficient, considering the nature of farming system.

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