The aim of this paper was to examine factors affecting loan repayment rate among smallholder farmers in the Habru District, Ethiopia, who had taken loans from the Amhara Credit and Saving Institution. In this study, both primary and secondary sources were used. The study employed a combination of multi-stage purposive and stratified sampling techniques in the selection of 384 borrowers from smallholder farmers in the study area. The Tobit model result found that a total of 10 out of the total 15 explanatory variables involved in the model were found to be statistically significant. According to the result demographic factors (age and household size), socio-economic factors (educational level, land size, livestock size, nonfarm income, purpose of borrowing), and institutional factors (road distance, contact with development agents, training received on loan use) were among the factors that influenced loan repayment rate of smallholder borrowers in the study area. Education level, land size, livestock size in tropical livestock unit, nonfarm income, purpose of borrowing, contact with agricultural extension agents, and training received on loan use were found to determine loan repayment rate of borrowers positively and significantly, while age, family size, and road distance were found to negatively and significantly determine loan repayment rate in the study area. Therefore, the overall results of this study underlined the great importance of the significant factors to profoundly achieve high repayment rate on borrowed funds from the Amhara Credit and Saving Institution in the studied area.

本文的目的是研究影响埃塞俄比亚哈布鲁区小农户贷款偿还率的因素，他们从阿姆哈拉信贷和储蓄机构获得贷款。在这项研究中，使用了主要和次要来源。该研究结合了多阶段有目的和分层抽样技术，从研究区域的小农中选择了 384 名借款人。Tobit 模型结果发现，模型所涉及的全部 15 个解释变量中，共有 10 个被发现具有统计显着性。根据结果​​，人口因素（年龄和家庭规模）、社会经济因素（教育水平、土地规模、牲畜规模、非农收入、借贷目的）和制度因素（道路距离、与发展机构的接触、贷款使用培训）是影响研究区小农借款人贷款偿还率的因素之一。受教育程度、土地规模、热带畜牧单位的牲畜规模、非农收入、借款目的、与农业推广机构的联系以及接受的贷款使用培训对借款人的贷款偿还率有积极而显着的影响，而年龄、家庭规模和道路距离被发现对研究区域的贷款偿还率有显着的负面影响。因此，本研究的总体结果强调了在研究区域内从阿姆哈拉信贷和储蓄机构借入资金实现高还款率的重要因素的重要性。