The Role of Institutional Credit in Enhancing Food Security Among Farming Households in Kano State, Nigeria

Food insecurity remains a structural impediment to rural welfare in sub-Saharan Africa (SSA), with smallholder farming households in northern Nigeria among the most severely affected. This study examined the socioeconomic determinants of food security among farming households in Kano State, Nigeria, with emphasis on the role of institutional credit access, using the Food Consumption Score (FCS) methodology. Data were collected through semi-structured face-to-face interviews using multi-stage cluster sampling and analyzed using descriptive statistics, chi-square analysis, one-way ANOVA, and multiple linear regression. Slightly fewer than half of the sampled households met the food-secure threshold, and food security status was significantly associated with the level of access to institutional credit, with a noticeable gap in food security status between high-access and no-access households. Multiple regression confirmed that access to institutional credit, farming experience, and farm size were significant and positive determinants of food security, while household size was a significant negative determinant. These findings demonstrate that institutional credit is an important, policy-actionable pillar of rural food security in Kano State Nigeria, best pursued alongside corresponding investments in farmer experience-transfer, land access, and household welfare.