The gender dynamics of access to financial credit for pineapple production : a case study of small-scale pineapple farmers in Kangulumira sub-county, Kayunga district.
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Date
2026
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Busitema University
Abstract
Accessibility to agriculture credit is crucial for improving farm output, investment, and household incomes, particularly in pineapple production, which requires substantial capital investment; however, gender inequalities may limit women’s potential to acquire adequate and affordable loans. This study assessed gender disparities in accessibility to financial credit among small-scale pineapple farmers in Kangulumira Sub-county, Kayunga District, Uganda, with specific focus on farmer characteristics, factors influencing credit access, and gender parity in credit outcomes. A quantitative descriptive cross-sectional research design was employed, using structured questionnaires to gather primary information from 125 small-scale pineapple farmers selected through a multi-stage sampling procedure from a sampling frame of 187 farmers. SPSS version 26 and Microsoft excel were used to analyze descriptive data and inferential statistics such as chi square test, T-test, gender parity index and a multivariate regression analysis. The outcomes indicated that credit access was significantly associated with the ownership of a bank account (p=0.001), credit source (p=0.20) and the factors that were influencing access to credit differed by gender. The results also indicated that male farmer were more associated with factors such education, farmers income, marital status, collateral ownership, land size and source of credit while the females had less factors influencing their access with majorly factors like farm size, household income, source of credit and collateral ownership. In the findings, gender inequality in credit access greatly existed with males being more likely to borrow many times (GPI =0.63) and getting higher loan amounts, having more chances of borrowing higher loan limits (GPI=0.35) than their female counterparts. The repayment period did not differ significantly (p=0.841) and on average, women had longer waited hours for them to access the credit they needed. The study revealed that there is existence of gender imbalance among small scale pineapple farmers and these differences were linked on differences in asset ownership, economic capacity and institutional lending arrangements. The study concludes that gender inequality in agricultural credit access remains a block among small-scale pineapple farmers in Kangulumira Sub-county and is largely associated with differences in productive asset ownership, economic capacity, and institutional lending arrangements. The study recommends gender-responsive agricultural lending, reduced reliance on physical collateral, strengthened farmer groups and financial literacy, and increased support for women’s ownership of productive assets to promote equitable access to agricultural finance and enhance pineapple production.
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Undergraduate research report
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Kakooza, M. C. (2026). The gender dynamics of access to financial credit for pineapple production : a case study of small-scale pineapple farmers in Kangulumira sub-county, Kayunga district. [Unpublished undergraduate research report]. Busitema University.