Determinants of credit-seeking among women farmers in southeastern Democratic Republic of Congo

Abstract Smallholder women farmers play a crucial role in agricultural food production and rural development but have limited access to the necessary productive resources. This study sheds light on factors associated with credit-seeking among smallholder women farmers in the Democratic Republic of Congo, explores priority areas for credit allocation, and investigates the role of Village Savings and Loan Associations in providing mutual financial assistance. We collected data from 232 women marshland farmers in Kabare, South Kivu, and Mulungwishi, Upper Katanga, through interviews and two focus groups. Findings indicate that more female farmers in Upper Katanga (60%) intended to seek credit than in South Kivu (48%). Their intention to do so was associated with factors such as age, discussion with fellow farmers, landholding status perception, market access, income generated, and decision-making within the household. Further, findings showed that the absence of microfinance institutions, the lack of credit-related information, and stereotypes around women are considered major limiting factors to accessing credit. This situation has prompted 35% of women farmers to engage in Village Savings and Loan associations, enabling them to support each other and overcome financing challenges. Although there is a notable contrast between the two study areas and the type and amount of credit needed, purchasing agricultural inputs to enhance agricultural productivity is the primary focus for most farmers. The findings provide directions for formulating policies and initiatives that support financial inclusion and offer credit products that meet the specific needs of farmers to sustain inclusive rural development.