Asian Journal of Advances in Agricultural Research

This study evaluates gender inclusion in credit utilization among farmers in Ondo State, Nigeria. The research aimed to analyze the nature of credit accessed, identify factors influencing credit utilization and access, and assess the constraints faced by male and female farmers. Data were collected from 120 farmers using a structured questionnaire and analyzed using descriptive statistics, linear regression, and logit regression models. Findings revealed that male farmers were more likely to access both formal and informal credit than female farmers, with 79.3% of males applying for credit compared to 42.1% of females. Education was a significant factor influencing credit utilization for both genders, while age, marital status, and farm size also positively impacted credit utilization among female farmers. High collateral requirements, complex application processes, and gender bias were key constraints in accessing credit, particularly for female farmers. The study concluded that education plays a vital role in credit access and utilization, with male farmers generally being more advantaged. Recommendations include government-backed empowerment programs and supervised credit schemes to improve credit access for both genders, especially women, and enhance agricultural productivity.