Tax Auditing Practices in Ethiopia:

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DETERMINANTS OF SMALLHOLDER FARMERS ACCESS TO FORMAL CREDIT: THE CASE OF METEMA WOREDA, NORTH GONDAR, ETHIOPIA

M.Sc. Thesis

SISAY YEHUALA

April, 2008 Haramaya University

DETERMINANTS OF SMALLHOLDER FARMERS ACCESS TO FORMAL CREDIT: THE CASE OF METEMA WOREDA, NORTH GONDAR, ETHIOPIA

A Thesis Submitted to the Faculty of the Agriculture Department of Rural Development and Agricultural Extension School of Graduate Studies HARAMAYA UNIVERSITY

In Partial Fulfillment of the Requirements for the Degree of MASTER OF SCIENCE IN RURAL DEVELOPMENT AND AGRICULTURAL EXTENSION (RURAL DEVELOPMENT)

By Sisay Yehuala

April 2008 Haramaya University

SCHOOL OF GRADUATE STUDIES HARAMAYA UNIVERSITY
As Thesis research advisor, I hereby certify that I have read and evaluated this Thesis prepared, under my guidance, by Sisay yehuala entitled “DETERMINANTS OF SMALLHOLDER FARMERS’ ACCESS TO FORMAL CREDIT: IN THE CASE OF METEMA WOREDA, NORTH GONDAR, ETHIOPIA”. I recommend that it be submitted as fulfilling the Thesis requirement.

Tesfaye Lemma (Ph.D) Major Advisor

________________ Signature

_______________ Date

Ranjitha Puskur (Ph.D) Co-advisor

________________ Signature

_______________ Date

As member of the Board of Examiners of the M.Sc. Thesis Open Defence Examination, we certify that we have read and evaluated the thesis prepared by Sisay Yehuala and examined the candidate. We recommended that it be accepted as fulfilling the thesis requirement for the degree of Master of Science in Rural Development and Agricultural extension (Rural Development).

Fekadu Beyene (Ph.D) Chairperson

__________________ Signature

________________ Date

K.P.M. Chinnan (Ph.D) Internal Examiner

__________________ Signature

________________ Date

Habtemariam Abate (Ph.D) External Examiner

__________________ Signature

________________ Date

ii

DEDICATION

I dedicate this thesis to my wife BIZUALEM KEBEDE, and all my sons and daughters for nursing me with affections and love and their dedicated partnership in the success of my life.

iii

STATEMENT OF AUTHOR

First, I declare that this thesis is my bonafide work and that all sources of materials used for this thesis have been duly acknowledged. This thesis has been submitted in partial fulfillment of the requirements for an advanced M.Sc degree at the Haramaya University and is deposited at the University Library to be made available to borrowers under rules of the Library. I solemnly declare that this thesis is not submitted to any other institution anywhere for the award of any academic degree, diploma, or certificate.

Brief quotations from this thesis are allowable without special permission provided that accurate acknowledgement of source is made. Requests for permission for extended quotation from or reproduction of this manuscript in whole or in part may be granted by the head of the major department or the Dean of the School of Graduate Studies when in his judgment the proposed use of the material is in the interests of scholarship. In all other instances, however, permission must be obtained from the author.

Name: Sisay Yehuala Place: Haramaya University, Haramaya Date of submission: …………………..

Signature…………………

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BIBLOGRAPHY
The author, Sisay Yehuala, was born in North Gondar zone Dabat Woreda on February 13, 1959. He attended his elementary and junior school education in Dabat Elementary and Junior School and high school education at Debark Secondary School. After completion of his high school education, he was employed in the ministry of education and served for five years as a teacher in the elementary School.

He joined Debre Zeit junior college of agriculture in September 1982 and graduated with diploma in Rural Economics and Social Development (RESD) in 1984. Soon after graduation of the diploma program, he joined the Ministry of Agriculture (the then Gondar province Agricultural Office) at Libo awraja...
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