@article{MAKHILLAJ20138320585,
    title = {Social Capital Dimensions and Other Determinants Influencing Household Participation in Micro-Credit Groups in Uasin Gishu County, Kenya},
    journal = {Agricultural Journal},
    volume = {8},
    number = {3},
    pages = {131-137},
    year = {2013},
    issn = {1816-9155},
    doi = {aj.2013.131.137},
    url = {https://makhillpublications.co/view-article.php?issn=1816-9155&doi=aj.2013.131.137},
    author = {Kangogo,Lagat and},
    keywords = {Access to credit,group lending,social capital and Heckman Selection Model,micro-credit,Kenya},
    abstract = {This study examined the social capital dimensions and other 
  determinants influencing household participation and level of participation 
  in micro-credit groups in Uasin Gishu County, Kenya specifically Moiben Division. 
  In the study area, the microfinance institutions and other lending organizations 
  have extended credit facilities to households through individual and group lending 
  schemes in their bid to increase household access to credit. However, even with 
  the recent proliferation of micro-credit groups a considerable proportion of 
  the poor households in the area have not joined micro-credit groups. A structured 
  questionnaire was used to gather information from 174 households from the division, 
  using the multistage sampling technique. Heckman Selection Model was applied 
  to identify factors that influenced households to join and the level of participation 
  in the micro-credit group. The results indicate that age, gender, education 
  farm size, household size, farm income and distance to the nearest financial 
  institution influenced household decision to join the micro-credit groups. On 
  the other hand, age, farm size, total income, heterogeneity index, density of 
  membership, years of experience in group borrowing and decision making index 
  significantly influenced the level of participation. Based on the findings, 
  policy implications were drawn for improving household access to credit in the 
  study areas.}
    }