Gender effect of access to credit on adoption of climate-smart agricultural practices in Oyo State, Nigeria

This study investigates the impact of gender on access to credit and its subsequent influence on the adoption of climate-smart agricultural practices in Oyo State, Nigeria, where climate change poses significant challenges to agriculture. Recognizing the importance of resilient and sustainable agricultural practices, the research utilizes a mixed-methods approach, combining quantitative analysis and qualitative interviews with farmers. The study reveals that access to credit significantly affects the adoption of climate-smart practices, with gender disparities evident in credit accessibility. Women farmers, facing socio-cultural norms and institutional barriers, encounter more challenges in accessing formal financial services, resulting in lower adoption rates compared to men. The research highlights a gender gap in awareness of climate-smart agriculture, emphasizing the need for information dissemination. While credit access shows reasonable distribution for male respondents, efforts are required to ensure equitable access for women. To address these issues, the study recommends targeted interventions, such as policy reforms and gender-responsive credit schemes, to empower women, improve credit access, and promote climate-smart agricultural practices, ultimately fostering sustainable development in Oyo State.