LACK OF ACCESS TO LOANS BY FARMERS, A BARRIER TO MECHANIZATION
Unlike in the past when farming was merely perceived as source of food at various levels, be it household or national levels, farming is now viewed as a business venture, meaning that it now serves as an Income Generating Activity or a source of revenue. Through farming, many people today are able to raise money to finance their daily needs such as meeting their medical costs and their children’s education. Just like any other business person, a farmer equally needs to diversify their offer lineup. A farmer must therefore focus on what can complement his or her traditional product (Maize). In this case they need to cultivate a variety of crops ranging from Millet, Sorghum to Groundnuts among others, which also offer great revenue prospects other than relying only on maize production because it is susceptible to drought and cannot generally withstand the current climatic condition. Like any other business which requires the owner to inject some form of investment for it to thrive,