Sustainable agriculture microfinance based on agricultural limitations of the maasai in Kajiado Country, Kenya.
Inaccessible monetary services from the formal financial systems are quite striking. Microfinance Institutions (MFI) have emerged as an alternative to satisfy the demand for financial services. Despite the rise of MFIs, the majority of low-income workers in developing countries are still excluded from the financial system. Access to finance is a crucial issue in the productivity of agriculture. Kajiado residents in Kenya depend on pastoral agriculture directly for their livelihoods; most are smallholder farmers who often lack sufficient financing for their activities. A survey was conducted in the five constituencies of Kajiado County, using an online platform for the questionnaire, and with 99 people responding to a general interview guide. The information was used to design a pilot project for Maasai women in Maparasha region in Kajiado County. The Maasai people own extensive lands, generally between 1 ha and 5 ha, and in some cases, more than 50 ha of land. Agriculture is practiced directly by 58.6 % of those who responded to the survey, with 43.4 % of them devoted to the livestock sector, 32.3 % in mixed farming and only 5.1 % to exclusively growing crops. Technical agricultural services are not readily available, especially for the rural communities in the county. The main limitations to production advances are lack of skills and water scarcity, which has been triggered by long drought. Limited finance also has proven to be a barrier to advancing production; only 55 % of those who responded to the survey have, at some time, applied for loans from financial institution. Lack of information and high interest rates are mentioned as the key factors for not requesting for loans. Most of those interviewed prefered using banks for their financial transactions compared to other MFIs. Funding a pilot project to train women in Maparasha on technical management in sustainable production of dairy goats would prove to be profitable venture, providing a utility of US$ 3,275 through the first year of production. Applying microfinancing based on the agricultural limitation of the Maasai people forms a potential focus area for sustainability achievement and poverty eradication.
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Universidad EARTH
2016-12
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Subjects: | FINANCIAMIENTO, CREDITO, DESARROLLO AGRICOLA, FINANZAS, KAJIADO COUNTY, KENIA, https://purl.org/pe-repo/ocde/ford#5.02.01, |
Online Access: | https://repositorio.earth.ac.cr/handle/UEARTH/485 |
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FINANCIAMIENTO CREDITO DESARROLLO AGRICOLA FINANZAS KAJIADO COUNTY, KENIA https://purl.org/pe-repo/ocde/ford#5.02.01 FINANCIAMIENTO CREDITO DESARROLLO AGRICOLA FINANZAS KAJIADO COUNTY, KENIA https://purl.org/pe-repo/ocde/ford#5.02.01 |
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FINANCIAMIENTO CREDITO DESARROLLO AGRICOLA FINANZAS KAJIADO COUNTY, KENIA https://purl.org/pe-repo/ocde/ford#5.02.01 FINANCIAMIENTO CREDITO DESARROLLO AGRICOLA FINANZAS KAJIADO COUNTY, KENIA https://purl.org/pe-repo/ocde/ford#5.02.01 Pertet, Abigael Simaloi Sustainable agriculture microfinance based on agricultural limitations of the maasai in Kajiado Country, Kenya. |
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Inaccessible monetary services from the formal financial systems are quite striking. Microfinance Institutions (MFI) have emerged as an alternative to satisfy the demand for financial services. Despite the rise of MFIs, the majority of low-income workers in developing countries are still excluded from the financial system. Access to finance is a crucial issue in the productivity of agriculture. Kajiado residents in Kenya depend on pastoral agriculture directly for their livelihoods; most are smallholder farmers who often lack sufficient financing for their activities. A survey was conducted in the five constituencies of Kajiado County, using an online platform for the questionnaire, and with 99 people responding to a general interview guide. The information was used to design a pilot project for Maasai women in Maparasha region in Kajiado County. The Maasai people own extensive lands, generally between 1 ha and 5 ha, and in some cases, more than 50 ha of land. Agriculture is practiced directly by 58.6 % of those who responded to the survey, with 43.4 % of them devoted to the livestock sector, 32.3 % in mixed farming and only 5.1 % to exclusively growing crops. Technical agricultural services are not readily available, especially for the rural communities in the county. The main limitations to production advances are lack of skills and water scarcity, which has been triggered by long drought. Limited finance also has proven to be a barrier to advancing production; only 55 % of those who responded to the survey have, at some time, applied for loans from financial institution. Lack of information and high interest rates are mentioned as the key factors for not requesting for loans. Most of those interviewed prefered using banks for their financial transactions compared to other MFIs. Funding a pilot project to train women in Maparasha on technical management in sustainable production of dairy goats would prove to be profitable venture, providing a utility of US$ 3,275 through the first year of production. Applying microfinancing based on the agricultural limitation of the Maasai people forms a potential focus area for sustainability achievement and poverty eradication. |
author2 |
Yeomans, Jane |
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Yeomans, Jane Pertet, Abigael Simaloi |
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info:eu-repo/semantics/bachelorThesis |
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FINANCIAMIENTO CREDITO DESARROLLO AGRICOLA FINANZAS KAJIADO COUNTY, KENIA https://purl.org/pe-repo/ocde/ford#5.02.01 |
author |
Pertet, Abigael Simaloi |
author_sort |
Pertet, Abigael Simaloi |
title |
Sustainable agriculture microfinance based on agricultural limitations of the maasai in Kajiado Country, Kenya. |
title_short |
Sustainable agriculture microfinance based on agricultural limitations of the maasai in Kajiado Country, Kenya. |
title_full |
Sustainable agriculture microfinance based on agricultural limitations of the maasai in Kajiado Country, Kenya. |
title_fullStr |
Sustainable agriculture microfinance based on agricultural limitations of the maasai in Kajiado Country, Kenya. |
title_full_unstemmed |
Sustainable agriculture microfinance based on agricultural limitations of the maasai in Kajiado Country, Kenya. |
title_sort |
sustainable agriculture microfinance based on agricultural limitations of the maasai in kajiado country, kenya. |
publisher |
Universidad EARTH |
publishDate |
2016-12 |
url |
https://repositorio.earth.ac.cr/handle/UEARTH/485 |
work_keys_str_mv |
AT pertetabigaelsimaloi sustainableagriculturemicrofinancebasedonagriculturallimitationsofthemaasaiinkajiadocountrykenya |
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dig-uearth-cr-UEARTH-4852023-06-11T01:02:19Z Sustainable agriculture microfinance based on agricultural limitations of the maasai in Kajiado Country, Kenya. Pertet, Abigael Simaloi Yeomans, Jane FINANCIAMIENTO CREDITO DESARROLLO AGRICOLA FINANZAS KAJIADO COUNTY, KENIA https://purl.org/pe-repo/ocde/ford#5.02.01 Inaccessible monetary services from the formal financial systems are quite striking. Microfinance Institutions (MFI) have emerged as an alternative to satisfy the demand for financial services. Despite the rise of MFIs, the majority of low-income workers in developing countries are still excluded from the financial system. Access to finance is a crucial issue in the productivity of agriculture. Kajiado residents in Kenya depend on pastoral agriculture directly for their livelihoods; most are smallholder farmers who often lack sufficient financing for their activities. A survey was conducted in the five constituencies of Kajiado County, using an online platform for the questionnaire, and with 99 people responding to a general interview guide. The information was used to design a pilot project for Maasai women in Maparasha region in Kajiado County. The Maasai people own extensive lands, generally between 1 ha and 5 ha, and in some cases, more than 50 ha of land. Agriculture is practiced directly by 58.6 % of those who responded to the survey, with 43.4 % of them devoted to the livestock sector, 32.3 % in mixed farming and only 5.1 % to exclusively growing crops. Technical agricultural services are not readily available, especially for the rural communities in the county. The main limitations to production advances are lack of skills and water scarcity, which has been triggered by long drought. Limited finance also has proven to be a barrier to advancing production; only 55 % of those who responded to the survey have, at some time, applied for loans from financial institution. Lack of information and high interest rates are mentioned as the key factors for not requesting for loans. Most of those interviewed prefered using banks for their financial transactions compared to other MFIs. Funding a pilot project to train women in Maparasha on technical management in sustainable production of dairy goats would prove to be profitable venture, providing a utility of US$ 3,275 through the first year of production. Applying microfinancing based on the agricultural limitation of the Maasai people forms a potential focus area for sustainability achievement and poverty eradication. La falta de acceso de los servicios monetarios de los sistemas financieros formales es muy marcada. Las instituciones de microfinanzas (IMF) han surgido como una alternativa para satisfacer la demanda de servicios financieros. A pesar del aumento en las IMF, la mayoría de trabajadores de bajos ingresos, en países en vía de desarrollo, aún están excluidos del sistema financiero. El acceso al crédito es un tema crucial en la productividad de la agricultura. Los residentes de Kajiado en Kenia dependen directamente de la agricultura pastoral para su subsistencia; la mayoría son pequeños agricultores que a menudo carecen de financiamiento suficiente para sus actividades laborales. Se realizó una encuesta en línea en los cinco distritos electorales del cantón de Kajiado, con 99 personas respondiendo a una guía general de preguntas. La información se utilizó para diseñar un proyecto piloto para mujeres Maasai en la región de Maparasha de Kajiado. Los Maasai poseen extensos terreños, generalmente entre 1 ha a 5 ha, y en algunos casos más de 50 ha. De los que respondieron a la encuesta, 58.6 % indicaron que son agricultores; 43.4 % se dedica al sector ganadero, un 32.3 % en agricultura mixta y un 5.1 % se dedica exclusivamente en la producción de cultivos. Los servicios técnicos agrícolas no están fácilmente disponibles, particularmente para las comunidades rurales del cantón. Las principales limitaciones para realizar mejoras en la producción son la falta de conocimientos técnicos y la escasez de agua, que ha sido provocada por la sequía prolongada. La disponibilidad de financiamiento también fue mencionada como otra barrera para mejorar la producción; sólo el 55 % de los encuestados han solicitado, en algún momento, préstamos de una institución financiera. Se mencionaran la falta de información y las altas tasas de intereses como factores clave por qué no solicitaron préstamos. Sin embargo, la mayoría que han solicitado préstamos preferido usar bancos para sus transacciones financieras en comparación con las IMF. Financiar un proyecto piloto, para capacitar a las mujeres de Maparasha en el manejo técnico de la producción sostenible de leche de cabra, resultaría ser rentable, proporcionando una utilidad de US $ 3,275 por el primer año de producción. La aplicación del microfinanciamiento, basado en la limitación agrícola del pueblo Maasai, constituye un área potencial de enfoque para lograr la sostenibilidad y la erradicación de la pobreza. Trabajo de investigación 2022-11-24T15:49:51Z 2022-11-24T15:49:51Z 2016-12 info:eu-repo/semantics/bachelorThesis https://repositorio.earth.ac.cr/handle/UEARTH/485 eng info:eu-repo/semantics/openAccess application/pdf application/pdf Universidad EARTH Universidad EARTH Repositorio Digital UEARTH |