In Côte d’Ivoire, the low participation of smallholder farmers in the credit market remains a matter of concern. This study examines the key determinants of rice farmers’ participation in the credit market. We use a Multinomial Conditional Logit model to consider the characteristics related to the use of different credit sources. A total of 588 rice farmers were randomly sampled from seven rice areas. Our findings reveal that gender, age, education level, experience in rice farming, rice plot size, lowland rice farming, extension contact, membership of a farmer-based organization, marketing of paddy rice, and off-farm income significantly influence the use of different credit sources. While credit requirements such as saving plus collateral, kinship/friendship, membership, favoured client, loan maturity, and the distance between borrowers and lenders are credit source-specific variables that significantly determine rice farmers’ choices between different credit sources. These empirical results show that in addition to farmer-specific variables, policymakers should consider the characteristics of credit sources for developing a credit market suitable for smallholder farmers.

在科特迪瓦，小农对信贷市场的参与度低仍然令人担忧。本研究考察了稻农参与信贷市场的关键决定因素。我们使用多项条件 Logit 模型来考虑与使用不同信用来源相关的特征。从7个稻区随机抽取588名稻农。我们的研究结果表明，性别、年龄、教育水平、水稻种植经验、水稻地块大小、低地水稻种植、推广联系、农民组织成员、水稻营销和非农收入显着影响水稻的使用。不同的信贷来源。而信用要求，如储蓄加抵押品、亲属关系/友谊、会员资格、优惠客户、贷款期限、借款人和贷款人之间的距离是特定于信贷来源的变量，显着决定了稻农在不同信贷来源之间的选择。这些实证结果表明，除了农民特定变量外，政策制定者还应考虑信贷来源的特征，以开发适合小农的信贷市场。