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This study examines the relationship between access to credit and loan repayment among non-farming households in Nigeria using a Binary Logit Regression model. It investigates how factors such as loan repayment behavior, transportation expenses, business costs, salaries and wages, rent, age, and location influence households' ability to obtain credit.
The findings reveal that loan repayment history and place of residence are significant determinants of access to finance, while other household characteristics have limited influence. By providing new empirical evidence, the study contributes to a deeper understanding of financial inclusion and credit accessibility in Nigeria.
This resource is valuable for students, researchers, policymakers, financial institutions, and professionals in economics, finance, banking, and development studies seeking evidence-based insights into household credit access, lending behavior, and economic development in emerging economies.
