Agricultural Practices, Productivity, and Credit Linkages: An Econometric Analysis of Key Determinants

Agriculture remains the backbone of rural economies, significantly impacting livelihoods and economic growth. However, smallholder farmers face multiple constraints affecting productivity, including access to credit. This study investigates the relationship between agricultural practices, productivity, and credit availability. The objective is to analyze the factors influencing agricultural productivity and assess the role of the credit system in enhancing farm output. The study employs regression analysis and factor analysis using SPSS software to evaluate the impact of credit accessibility and farming techniques on productivity. Findings indicate that institutional credit positively affects yield levels, while inadequate financial access limits efficiency. The study suggests strengthening rural credit networks and promoting financial literacy among farmers to improve agricultural outcomes. Keywords: Agricultural Practices, Credit System, Econometric Analysis, Farm Productivity, Rural Development