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
Ranjitha Puskur (Ph.D) Co-advisor
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
K.P.M. Chinnan (Ph.D) Internal Examiner
Habtemariam Abate (Ph.D) External Examiner
I dedicate this thesis to my wife BIZUALEM KEBEDE, and all my sons and daughters...