COMPARISON OF THE EFFECT OF FARM AND NON-FARM ACTIVITIES ON RURAL HOUSEHOLD INCOME BETWEEN ABIA AND EBONYI STATES, NIGERIA

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ABSTRACT

Many rural households engage in farm and non-farm activities to increase household income during economic hardship and diversify income sources. The study was conducted to compare the effect of farm and non-farm activities on rural household income in Abia and Ebonyi States. In conducting the study, multi-stage random sampling procedure was used to select a sample size of 240 farmers. Data collection was through structured questionnaire and analyzed using both descriptive and inferential statistics such as z-test for independent samples and multiple correlation and regression at 0.05% level of significance. The findings revealed that, in Abia State, farm activities contributed an average annual income of five hundred and ninety-four thousand, four hundred and thirty-three Naira thirty-two kobo (N594,432.32) representing 51.9% of household income greater than non-farm activities that contributed five hundred and thirty-six thousand, one hundred and seventy Naira, seventy-two kobo (N532,170.72) representing 48.1% of household income. In Ebonyi State, household annual mean farm income was six hundred and eighty-eight thousand, one hundred Naira (N 688,100.00) representing 65.2% of total household income, while non-farm activity had three hundred and sixty-seven thousand, seven hundred and twenty-six Naira sixty-eight kobo(N367,726.68) representing 34.8% of household income. Test of hypothesis one revealed no significant difference between farm and non-farm income in Abia state. Hence, the null hypothesis was accepted at 5%. Test of hypothesis two revealed a significant difference between farm and non-farm income in Ebonyi state in favour of farm income. Therefore, the null hypothesis was rejected at 5%. Test of hypothesis three indicated no significant difference in farm income between Abia and Ebonyi States. Hence, the null hypothesis was accepted at 5%. Test of hypothesis four indicated a significant difference in non-farm income between Abia and Ebonyi states. Hence, the null hypothesis was rejected at 5%. Test of hypothesis five showed a significant difference in the profitability of non-farm activities between Abia and Ebonyi states. Thus, the null hypothesis was rejected at 5%. Test of hypothesis six revealed no significant difference in rating of factors that determine engagement in non-farm activities between Abia and Ebonyi states. Thus, the null hypothesis was accepted at 5%. Test of hypothesis seven revealed no significant influence of the factors that determine engagement in non-farm activities. Hence, the null hypothesis was rejected at 1%. The study concluded that Abia state rural farm households do well in non-farm enterprises than rural farm households in Ebonyi state. This was because Ebonyi state is more rural in nature than the Abia state and provides greater diversification of agricultural production than Abia State. The study recommended among others, that, while encouraging engagement in non-farm activities, the extension should emphasize diversification of agricultural production as a form of risk reduction strategy to minimize much engagement in non-farm activities to increase food production.





TABLE OF CONTENTS

Declaration                                                                                                                 i

Certification                                                                                                                ii

Dedication                                                                                                                  iii

Acknowledgments                                                                                                      iv

List of Tables                                                                                                              ix

List of Figures                                                                                                             xi

Abstract                                                                                                                       xii

 

CHAPTER 1:            INTRODUCTION                                                                1 

1.1       Background of Study                                                                                      1

1.2       Problem Statement                                                                                         5

1.3       Research Questions                                                                                        7

1.4       Objectives of the Study                                                                                  7

1.5       Hypotheses of the Study                                                                                 8

1.6       Justification of the Study                                                                                9

1.7       Scope of Study                                                                                                10

1.8       Definition of Terms                                                                                        11

 

CHAPTER 2:            REVIEW OF RELATED LITERATURE             13

2.2                   Rural Farm and Non-Farm Business and Poverty Alleviation      14

2.3                   Contribution of Non-Farm Activities on Rural Economy                         17

2.4                   Contribution of Non-Farm Income to Household Upkeep                         18

2.5                   Livelihood Diversification                                                                 19

2.6                   Determinants of Households’ Participation in Farm and Non-Farm                               Activities                                                                                             21 

2.6.1                Pull and push factors                                                                          23

2.6.2                Risk factor                                                                                          23

2.6.3                Education                                                                                            24

2.6.4                Age                                                                                                     25

2.6.5                Farm size                                                                                            25

2.6.6                Household size                                                                                    26

2.6.7                Asset value                                                                                          26

2.6.8                Climatic factors                                                                                  27

2.7                   Impact of Participation in Farm and Non-Farm Activities on

                        Household Food Security                                                                   28 

2.8                   Increasing Rural Non-Farm Opportunities                                         30

2.8.1                Creating rural non-farm opportunities                                                30

2.8.2                Building on coping strategies                                                                         31

2.8.3                Capacity building                                                                               32

2.8.4                Facilitating access to market                                                              33

2.8.5                Establishment of programmes and institutions                                  33

2.8.5.1             Advantages of sub/activity group                                                       34

2.9                   Agricultural Production and Non-Farm Activities in Nigeria            35

2.10                 Farm and Non-Farm Works as Complementary Evidence from

                        Nigeria                                                                                                37 

2.11                 Challenges Facing Non-Farm and Farm Activities                            38

2.12                 Relationship Between Non-Farm and Farm Activities                          40

2.12.1              Positive relationship                                                                           40

2.12.2              Negative relationship                                                                          42

2.13                 Linkages Between Farm and Non-Farm Sectors                                43

2.13.1              Production linkages                                                                            44

2.13.2              Expenditure linkage                                                                            44

2.13.3              Consumption linkage                                                                          45

2.13.4              Investment linkage                                                                             45

2.14                 Net Effects of Non-Farm Income on Agricultural Productivity    46

2.15                 Profit and Profitability                                                                        47

2.15.1              Profit                                                                                                   47

2.15.1.1           Gross profit                                                                                         48

2.15.1.2           Operating profit                                                                                  48

2.15.1.3           Net profit                                                                                            48

2.15.2              Profitability                                                                                         49

2.15.2.1           Driver of profitability                                                                         49

2.16                 Challenges in Maintaining Profitability                                             50

2.17                 Factors Determining Profitability of Rural Farm and Non-farm

                        Activities                                                                                             51 

2.17.1              Non-farm and farm incomes                                                               52

2.18                 Review of Empirical Studies                                                              53

2.19                 Theoretical Framework                                                                      58

2.19.1              Theory of economies of scope                                                            59

2.19.2              Economies of scope examples                                                            60

2.19.3              Methods of achieving economies of scope                                         61

2.19.3.1           Flexible manufacturing                                                                      61

2.19.3.2           Related diversification                                                                        62

2.19.3.3           Linked supply chains                                                                          64

2.20                 Conceptual Framework                                                                      66

 

CHAPTER 3:            METHODOLOGY                                                               69

 

3.1                   Study Area                                                                                          69

3.1.1                Abia State                                                                                           69

3.1.2                Ebonyi State                                                                                       71

3.2                   Population of Study                                                                            72

3.3                   Sample and Sampling Procedure                                                        72

3.4                   Data Collection                                                                                   72

3.4.1                Instrument for data collection                                                             73

3.5                   Validity of Instrument                                                                        73

3.6                   Reliability of Instrument                                                                    74

3.7                   Measurement of Variables                                                                 75

3.7.1                Data analysis                                                                                       75

3.8                   Model Specification                                                                           77

 

CHAPTER 4:            RESULTS AND DISCUSSION                                           82

 

4.1                   Socio-Economic Characteristics of Households in Abia and Ebonyi                  States                                                                                                   82

4.1.1                Marital status                                                                                      84

4.1.2                Age                                                                                                     84

4.1.3                Educational level                                                                                85

4.1.4                Household size                                                                                    86

4.1.5                Farm size                                                                                            87

4.1.6                Farming experience                                                                            87

4.1.7                Number of non-farm activities                                                           88

4.1.8                Years involved in non-farm activities                                                89

4.2                   Contribution of Farm and Non-Farm Activities to Rural Household

                        Income in Abia State                                                                          90

 

4.3                   Contribution of Farm and Non-Farm Activities to Rural Household

                        Income in Ebonyi State                                                                      92

 

4.4                   Annual Cash Expenditure on Farm and Non-farm Activities in Abia

                        and Ebonyi States                                                                               95

4.5                   Comparison of Rural Households’ Income from Farm and

                        Non-Farm Activities in Abia and Ebonyi States                                97

4.6                   Comparison of the Profitability Between Farm and Non-Farm

                        Activities in Abia and Ebonyi States                                                  100

4.7                   Comparison of the Factors that Affect Rural Household Involvement

                        in Non-farm Activities Between Abia and Ebonyi States                        104

4.8                   Hypothesis Testing                                                                             107

4.8.1                Hypothesis 1                                                                                       107

4.8.2                Hypothesis 2                                                                                       106

4.8.3                Hypothesis 3                                                                                       107

4.8.4                Hypothesis 4                                                                                       109

4.8.5                Hypothesis 5                                                                                       110

4.8.6                Hypothesis 6                                                                                       111

4.8.7                Hypothesis 7                                                                                       112

­­

CHAPTER 5:            SUMMARY, CONCLUSION AND                                                                        RECOMMENDATIONS                                                     118

 

5.1                   Summary                                                                                             118

5.2                   Conclusion                                                                                          123

5.3                   Recommendations                                                                              124

                        Reference                                                                                          

                        Appendices    





                                                                       

 

LIST OF TABLES

 

Distribution of respondents by selected socio-economic characteristics in Abia

and Ebonyi States                                                                                                       82

Households income from farm and non-farm activities in Abia State                     90

Mean and percentage household income from farm and non-farm activities in Abia

State                                                                                                                            91

Households income from farm and non-farm activities in Ebonyi State                 92

Mean and percentage household income from farm and non-farm activities in

Ebonyi State                                                                                                               94

Household cash expenditure on farm and non-farm activities in Abia and Ebonyi

States                                                                                                                           95

Mean household cash expenditure on farm and non-farm activities in Abia and

Ebonyi States                                                                                                              96

Distribution of rural households based on annual income from farm and non-farm activities in Abia and Ebonyi States                                                                                   98

Mean household farm and non-farm income in Abia and Ebonyi States                 99

Distribution of rural households based on net profit from farm and non-farm

activities in Abia and Ebonyi States                                                                           101

Mean households farm and non-farm net profit in Abia and Ebonyi States                         102

Profitability of non-farm activities in Abia and Ebonyi States                                  103

Respondents rating of factors affecting involvement in non-farm activities

between Abia and Ebonyi States                                                                                105

Significance of difference between household income from farm and non-farm

activities in Abia State                                                                                                107

Significance of difference between household income from farm and non-farm

activities in Ebonyi State                                                                                            108

Significance of difference between Abia and Ebonyi State farm incomes                         109

Significance of difference in non-farm income of rural households between

Abia and Ebonyi States                                                                                              111

Significance of difference in profitability of non-farm activities between

Abia and Ebonyi States                                                                                              112

Significance of difference in rating of factors that determine engagement in

non-farm activities between Abia and Ebonyi States                                                 113

 Multiple regression of the relative effects of the variables that determine

engagement n non-farm activities                                                                              115

 

 

 

 

  

 

 

 

LIST OF FIGURE

 

2.1                     Conceptual framework for effect of farm and non-farm

                          activities on household income                                                         68

 

 

 

 


 


CHAPTER 1

INTRODUCTION

1.1       BACKGROUND OF STUDY

Agriculture and other related activities have been primarily the foundation of the economy of rural areas of Nigeria. Alternative means such as non-farm activities for income generation have become so much important to rural households due to economic pressure in order to adjust to the problem of insufficient income. Diversifying sources of income is a major challenge since petroleum was discovered in Nigeria (Madaki et al., 2014 and Reardon, 1997). In contrast to the agricultural sector, employment in non-farm activities is crucial. It is crucial in the sense that it is the main variable for diversification of the sources of rural household income. In rural areas, household income generation has been supported by engagement in non-farm activities.

 

It was pointed out that non-farm activities could improve economic growth as it creates income opportunity than subsistence agriculture. It also enables households to modernize their production by giving them a prospect to apply the necessary inputs as well as reduce their income shortage during periods of unexpected crop failure (Madaki et al., 2014 and FAO, 1998).

 

Non-farm activities have also been gaining prominence in the comparison of its influence on rural household income to farm activities since interest in boosting agriculture in Nigeria and establishing channels that can help rural farmers to sell off their farm produce declined (Start, 2001; Lanjouw and Shariff, 2002). The belief that rural areas of Nigeria are completely agrarian is also fast becoming obsolete as youths no more regard subsistence agriculture practised by their parents under land fragmentation system but aspire for commercial agriculture which involves huge capital, and a large area of land.

 

Multiple factors can cause households to diversify assets, incomes and activities (Ellis and Freeman, 2004). However, non-farm activity is important for the economic growth of rural areas. They also provide an option for rural households in adverse situations such as reduction of cultivable lands, conflict or communal crisis, sub-division of landholding, a high or frequent increase on farmland rent and population pressure as well as insufficient capital to invest on the farm. At the same time, rural households face unexpected crop failure because of crop diseases, variability in soil quality, unpredictable rainfall, and other related weather events (Nashid and Tanjila, 2015). The theory of portfolio diversification postulates that household’s trade-off for the comparative average profitability of one business to moderate risk and optimizes utility (Ibrahim et al., 2009).

 

In small farming in Nigeria and Bangladesh, farm sector comprises four main components of such as crops, livestock, fisheries, and poultry (Parvin et al., 2012). The rural farm activities comprise all those agricultural activities, which generate income for rural households, either through wage work or through self-employment (Tanjila, 2015). A widely accepted view of the development literature is that, in the course of structural economic transformation that goes with economic development, as a country GDP grows, the share of the farm sector in the country’s GDP will decrease (Chenery and Syrquin, 1975). This indicates that, in rural areas, a dwindling agricultural sector and increasing rural non-farm activities, as well as a varying definition of rural itself, can be viewed as possible features of economic development (Benjamin, and Kimhi 2007).

 

A non-farm activity refers to any economic activity other than the production of primary agricultural commodities, livestock and forestry, fishing and hunting (LIFCHASA, 2012). Non-farm activities thus include mostly processing of agricultural commodities into different forms with private machines, shop-keeping, peddling, petty trading, medium and large-scale trading, manual labour based activities such as mining, manufacturing, construction, commerce, financial and personal services, self-employed subsistence-oriented cottage industries, wage employment in rural business activities, transport operation, and construction labour, etc. (Mhazo et al., 2008 In: Ndirika, 2011). Physical and human capital-intensive activities include commercial type rural industries, including food processing, trading, basket weaving, shoemaking, carpentry, transportation, etc. The types of non-farm activities differ across geopolitical locations (Meludu et al., 1999; Lanjouw and Lanjouw, 2001). Generally, non-farm activities are categorized into two groups of livelihoods: labour associated with high productivity that leads to high-income activity and labour associated with low productivity that provides an only residual source of income (Ellis and Freeman, 2004).

 

Rural households in many diverse circumstances have the tendency to diversify their income sources, which permit them to manage risk and increase consumption (Ellis, 1998; In Ibrahim et al., 2009). Incomes generated from non-farm activities contribute half of the total income in Asia, Nigeria and other developing countries. It also allows more income for rural households (Dave and Dave, 1996). According to Dave and Dave, 1996, when there is a subsequent addition to labour force because of extreme pressure of population, the agricultural sector alone cannot provide adequate income to sustain the livelihood of the rural households nor create additional employment opportunities.

 

Over the last two decades, it has become widely accepted in both academic and policy research that rural non-farm activities have a significant influence on income at the level of rural household in developing countries. Beginning in the 1970s and 1980s, evidence from field surveys across many developing countries show that non-farm activities were widespread (Cornilius, 2004).

 

The correlation between non-farm and farm activities has specifically drawn major attention from researchers in this area. It has been employed in several studies to argue in favour of a widely held view, which asserts that rural non-farm activity is important for enhancing living standard as it assists rural farm households in overcoming cash constraints when making decisions (Cornilius, 2004). This view, if accurate, would be very crucial for maintaining rural household income in developing countries, especially, given the widespread evidence for economic shocks (crop failure) and institutional failures in rural capital markets. For this reason, the idea has attracted a great deal of attention from many non-governmental organizations (NGOs) and development agencies working in developing countries in their work to improve rural household income through engaging them in diverse sources of income (farm and non-farm activities)  (Bernstein et al., 1992; Ellis, 1998 and Ellis, 2000).

 

On the contrary, it has been a source of worry in some areas that, the effect of expanding rural non-farm sector activities would be hostile on the development of rural households’ agriculture, which will in turn influence negatively on rural households’ income generation (Low, 1986; Lipton, 1977; and Ellis, 1998). In Zimbabwe, for instance, up until the early 1990s, rural households that have been resettled on formerly white-owned farmlands in 1980s had been encouraged to avoid limiting themselves to farm sector activities but rather get involved more in non-farm sector activities to maintain household income (Kinsey, 2002). While rural non-farm activities may have the potential to support in generating household income, it seems, though, that knowledge about the relationship between rural non-farm activities and the broader process of farming is not wide in literature especially how they are connected by nature (Lanjouw, 2001).

 

Earlier studies on the direction of effect of the relationship between farm and non-farm activities, based on the rural growth-linkage model, seems to suggest that growth or increase in household income at rural level was due to the productivity gains in farm and non-farm sector activities (Haggblade and Hazell, 1989; Hazell and Haggblade, 1993). This suggests that the growth of the rural household income is dependent on the progress of the farm and non-farm activities, rather than the opposite.

 

1.2       PROBLEM STATEMENT

Poor household income in rural regions is widespread. Recent government policies have been regarded as a shock to the economic lives of rural households vis-a-vis inflation and a loss of lifetime savings (Judith et al., 2011). There are indications that small household farms (95% of total farms) are less than two hectares of land and are vulnerable in terms of risk. The question arises how these small farms can cope with the ongoing economic downturn and whether rural non-farm activities could provide a better life. Despite continuing efforts to fight poor rural household income, it has persisted to the present day. In contrast to the past, current rural youth empowerment approaches have therefore adopted a more comprehensive view, acknowledging the diverse endowments of rural regions, and particularly the multiplicity of income sources of rural households (Organization for Economic Cooperation and Development (OECD), 2006; and World Bank, 2007). Farm-based households pursue non-farm activities because they lack sufficient agricultural output and because they seek additional income sources to diversify risks (Buchenrieder et al., 2010). In developing countries, detailed analyses of rural household income sources have revealed the tremendous importance of farm and non-farm activities on income (Reardon et al., 2007).

 

In order to promote broader concepts of rural development, a better understanding of the influence of farm and non-farm activities on rural household income and its implication for poverty and inequality is essential.

 

Despite the economic importance of the rural areas, people in the region are poorer than any other parts of the country. Most of the people here live in absolute poverty (Bangladesh Haor & Wetland Development Board BHWDB Report, 2011). The people of rural areas have very little production assets and have no year-round working opportunities to earn money for purchasing food and other daily necessities of life. As a result, they face hunger during lean period of work. They are mostly agricultural labourers, who suffer from food insecurity and high micronutrient deficiencies, which results in consistently reduced productivity, loss of working days and various illnesses. Another way of increasing the income of rural households is to engage in various non-farm activities, which will complement farm income and facilitate the households to lead a good life (Parvin et al., 2012).

 

Nigeria has demonstrated a growing interest in an income-related debate recently. A World Bank study (2006), which is based on the national household budget surveys (2002 – 2004), gives for the first time, a comprehensive overview. It, however, does not consider rural households as a separate category.

 

Rural households have always engaged in farm and non-farm activities, however, with the present hard economic situation, it does appear that rural households who are mostly farmers are diversifying their source of income to cope with the present hard economic conditions leading to greater engagement in non-farm activities to improve household income. In this regard, the situation in Abia and Ebonyi States is apparently unknown and worth investigating. It is on these bases that this study was conceived.

Consequent upon the above, the study sought to find answers to the following research questions:

 

1.3       RESEARCH QUESTIONS

1.   What are the socio-economic characteristics of the rural households?

2.   How does the contribution between farm and non-farm activities to rural            household income differ in Abia State?

3.   How does the contribution between farm and non-farm activities to rural            household income differ in Ebonyi State?

4.   Do cash expenditures on the farm and non-farm activities differ between Abia and Ebonyi States?

5.   Does the income of rural households from the farm and non-farm activities differ between Abia and Ebonyi States?

6.   Are non-farm activities more profitable than farm activities in the study areas?

7.   Do the factors that determine engagement in non-farm activities differ between Abia and Ebonyi States? 

 

1.4       OBJECTIVES OF THE STUDY

The purpose of the study was to compare the effect of farm and non-farm activities on rural household income between Abia and Ebonyi States, Nigeria. The specific objectives of the study were to:

1.   describe selected  socio-economic characteristics of the rural households;

2.   compare the contributions of farm and non-farm activities to rural             households’     income in Abia State;

3.   compare the contributions of farm and non-farm activities to rural             households’     income in Ebonyi State;

4.   determine cash expenditure on the farm and non-farm activities in the study          areas;

5.   determine the income of rural households from the farm and non-farm activities             in Abia and Ebonyi States;

6.   ascertain the profitability between farm and non-farm activities in Abia and          Ebonyi States; and

7.   examine the factors that determine rural household engagement in non-farm activities in Abia and Ebonyi States. 

 

1.5       HYPOTHESES OF THE STUDY

The following null hypotheses were used to guide the study:

H01 :    There is no significant difference between income from farm and non-farm         activities in Abia State.

H02 :    There is no significant difference between income from farm and non-farm         activities in Ebonyi State.

H03 :    Farm income does not differ significantly between Abia and Ebonyi States.

H04 :    There is no significant difference in non-farm income of rural households      between Abia and Ebonyi States.

H05 :    There is no significant difference in the profitability of non-farm activities          between Abia and Ebonyi States.

H06 :    The rating of factors that determine engagement in non-farm activities do not          differ significantly between Abia and Ebonyi States.

H07 :    Factors that determine engagement in non-farm activities do not significantly    influence non-farm activities.

 

1.6       JUSTIFICATION OF THE STUDY

The study was necessary because a relatively large proportion of the rural farm households in the study area engage in non-farm activities for the need for improved well-being in the present hard economic condition.

The study has shown the relative contribution of farm and non-farm activities to rural households’ income, which would motivate rural farm households to diversify into profitable non-farm activities and allocate scarce resources accordingly. It will also inform the government on the significance of instituting small and macro enterprises in rural areas, which can facilitate the establishment of non-farm activities as a potential area of growth that can link agriculture to the non-agricultural sector.

 

The income and expenditure findings that show a profit on the farm and non-farm activities would be valuable to academics and policymakers to ensure rural household well-being through improving farm and non-farm linkages to increase cash income for rural households. Understanding the linkages would have far-reaching policy implications for the development of the rural economy as a whole.

 

The findings on the profitability of non-farm and farm activities would serve as a focus in providing technologies and support on the major farm and non-farm activities that are likely to improve welfare and income distribution problem in the study area.

 

Furthermore, the study has revealed that farming contributes more to rural household income than non-farm activities. This means that, if farmers are provided with greater resources, they will increase the contribution of farm activities to family income. Moreover, if farm income sustains the family, less attention would be given to non-farm activities, which reduces both labour and other resources that would be used for farming activities. The study, therefore, justifies the need to pay more attention to making farming more profitable rather than giving more attention to non-farm activities.

Finally, the result has revealed the relative influence of various factors on engagement in non-farm activities and shown that the growth of rural non-farm sector can be to the advantage of poor rural farm households and suggest policy measures to reduce the influence, and mechanisms to best exploit synergies across agricultural and non-agricultural sectors.

 

1.7       SCOPE OF STUDY

The study was confined to the effect of farm and non-farm activities on rural household income. In this regard, the study focused on ascertaining factors determining rural households’ involvement in non-farm activities, and the comparison of contributions and profitability of major farm and non-farm activities to household income in Abia and Ebonyi States.

 

1.8       DEFINITION OF TERMS

The following terms and variables used in the study are operationally defined below:

Farm: It is a place or portion of earth’s surface on which a particular farmer, farm household or other organizations cultivate crops or tends livestock.

Farm activity: Income earning activity done directly on the farm to produce crops and livestock for earning income; a production unit where the rational use of resources is made (Tania, 2013).

Non-farm activity: Any economic activity other than the production of primary agricultural commodities, livestock, and forestry, fishing and hunting (LIFCHASA, 2012). According to Haggblade et al. (2007) cited in Obinna, (2014) it could also be all economic activities in rural areas except agriculture, livestock, fishery and hunting.

Income: The amount of money received either as payment for work done, goods delivered, or services rendered or as profit on capital or produce harvested from the owned farm over a period.

 

Profitability: This is used to assess a business's ability to generate earnings compared to its expenses and other relevant costs incurred during a specific period.

Diversification: Process of extending or expanding an enterprise or income into new areas of business.

The economy of scope: The process of reducing the cost of resources and skills for an individual business enterprise by spreading the use of these resources and skills over two or more enterprises.

Poverty: The state of not having enough money or input to take care of basic needs such as food, clothing, and shelter.

Pull Factors: These are benefits from complementarities between activities, new income opportunities created by market development improvement of infrastructure, and diversification for asset accumulation (Davis and Pearce, 2001; Jalan and Ravallion, 1998),

Push Factors: These factors include ex-ante risk management ex-post risk coping, high transaction costs liquidity constraints and credit market failure, and the seasonality of agricultural activity (Hoogeveen, 2001 and Carter, 1997).

­­Credit Facility: A credit facility is a type of loan made in a business or corporate finance context, including revolving creditterm loanscommitted facilitiesletters of credit and most retail credit accounts(www.investopedia.com/terms/c/creditfacility).Or a variety of different loans that a company brings on to meet its financing needs (http://www.businessdictionary.com/definition/credit facility.html).

Economic Depression: In economics, a depression is a sustained, long-term downturn in economic activity in one or more economies. It is a more severe economic downturn than a recession, which is a slowdown in economic activity over the course of a normal business cycle (https://en.m.wikipedia.org/wiki/Economics).


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