Published in Scientific Papers. Series "Management, Economic Engineering in Agriculture and rural development", Vol. 17 ISSUE 1
Written by Udegbunam Edwin CHINONSO, Onu Inyanda JUSTICE

The study of local level institutions (LLIs) and socio-economic activities of the rural farm households in Girei and Yola South Local Government Areas of Adamawa state, Nigeria. Multistage random sampling was used in selecting one hundred and twenty (120) rural farm households’ member of the local level institution and data were collected through questionnaire administration. The data were analysed using descriptive statistics to determine socio-economic characteristics and effect of microcredit to the rural community while analytical statistics like multiple regression was used the analyse the effect LLIs microcredit facilities delivery on the socio-economic activities of the rural farm households. The study revealed that the mean monthly cash contribution (Adashe) to the institution by the members was N8,216.67 and mean annul cash (Adashe) disbursement to the members by the institution was N91,000.00. Government and LLIs jointly put the basic amenities in some communities while they jointly sustain them in all the communities. The multiple regression model showed that LLIs’ microcredit delivery had positive coefficients and greater than zero as expected but fall to predict the socio-economic activities of the rural farm households. Therefore, the study recommended that government to formulate policies that will include the LLIs into the current food security programs and poverty alleviation programs and make it a channel for loan delivery. The policies will be targeted at improving the welfare of the rural farm households, their source of livelihood, a typical income inequality and gender inequality in agriculture.

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