[ Détermination de l’impact du crédit agricole sur la productivité rizicole dans la Province de Mayo-Kebbi Est au Tchad ]
Mahamat Mallah Choukou1
1 Departement de l’Economie, Université de Moundou, Moundou, Chad
Original language: French
Copyright © 2026 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Rice productivity needs to be increased to feed Chad’s growing population. Productivity can be increased through the adoption of improved varieties and management practices, which require additional capital inputs. In this paper, we aim to estimate the effect of formal and semi-formal credit on rice productivity in Mayo-Kebbi East Province. We surveyed 600 rice farmers to achieve these goals. We used descriptive statistics, propensity score matching and Heckman’s endogenous treatment effect model to analyze the data. The results indicate that literacy, television and training have had a positive influence on access to formal credit. In general, loan recipients have achieved higher productivity than non-recipients. In the case of the source-specific effect of credit, we have seen mixed results. Given the estimated difference of 438 kg/ha to 495 kg/ha, the results indicated that formal credit recipients had significantly higher productivity than non-formal credit recipients. In contrast, the results of the endogenous treatment effect model suggest that formal and semi-formal credit sources have a significant effect on rice productivity. There is strong support for increasing the disbursement of agricultural loans through formal and semi-formal credit institutions. Financial education training helps improve farmers’ ability to make decisions about the most efficient source of credit.
Author Keywords: agricultural credit, rice productivity, financial inclusion, Mayo-Kebbi Est, Chad.
Mahamat Mallah Choukou1
1 Departement de l’Economie, Université de Moundou, Moundou, Chad
Original language: French
Copyright © 2026 ISSR Journals. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
Abstract
Rice productivity needs to be increased to feed Chad’s growing population. Productivity can be increased through the adoption of improved varieties and management practices, which require additional capital inputs. In this paper, we aim to estimate the effect of formal and semi-formal credit on rice productivity in Mayo-Kebbi East Province. We surveyed 600 rice farmers to achieve these goals. We used descriptive statistics, propensity score matching and Heckman’s endogenous treatment effect model to analyze the data. The results indicate that literacy, television and training have had a positive influence on access to formal credit. In general, loan recipients have achieved higher productivity than non-recipients. In the case of the source-specific effect of credit, we have seen mixed results. Given the estimated difference of 438 kg/ha to 495 kg/ha, the results indicated that formal credit recipients had significantly higher productivity than non-formal credit recipients. In contrast, the results of the endogenous treatment effect model suggest that formal and semi-formal credit sources have a significant effect on rice productivity. There is strong support for increasing the disbursement of agricultural loans through formal and semi-formal credit institutions. Financial education training helps improve farmers’ ability to make decisions about the most efficient source of credit.
Author Keywords: agricultural credit, rice productivity, financial inclusion, Mayo-Kebbi Est, Chad.
Abstract: (french)
La productivité du riz doit être augmentée pour nourrir la population croissante du Tchad. La productivité peut être accrue par l’adoption de variétés améliorées et de pratiques de gestion, qui nécessitent des apports de capitaux supplémentaires. Dans cet article, nous visons à estimer l’effet du crédit formel et semi-formel sur la productivité du riz dans la Province de Mayo-Kebbi Est. Nous avons interrogé 600 riziculteurs pour atteindre ces objectifs. Nous avons utilisé des statistiques descriptives, l’appariement par score de propension et le modèle d’effet de traitement endogène de Heckman pour analyser les données. Les résultats indiquent que l’alphabétisation, la télévision et la formation ont eu une influence positive sur l’accès au crédit formel. En général, les bénéficiaires de crédits ont atteint une productivité plus élevée que les non-bénéficiaires. Dans le cas de l’effet spécifique à la source du crédit, nous avons constaté des résultats mitigés. Compte tenu de la différence estimée de 438 kg/ha à 495 kg/ha, les résultats ont indiqué que les bénéficiaires de crédits formels avaient une productivité significativement plus élevée que les non-bénéficiaires de crédits formels. En revanche, les résultats du modèle d’effet de traitement endogène suggèrent que les sources de crédit formelles et semi-formelles ont un effet significatif sur la productivité du riz. Il est fortement préconisé d’accroître le décaissement des prêts agricoles par l’intermédiaire des institutions de crédit formelles et semi-formelles. La formation à l’éducation financière permet d’améliorer la capacité des agriculteurs à prendre des décisions concernant la source de crédit la plus efficace.
Author Keywords: crédit agricole, productivité du riz, inclusion financière, Mayo-Kebbi Est, Tchad.
