Analyses of Changes in Agricultural investment with Micro Credit It was anticipated that micro credit should bring changes

in agricultural investment of the borrowers. To this prospect, figure 5:7 analyzes the data obtained on changes in agricultural investment. FIGURE 5:7, AGRICULTURAL INVESTMENTS WITH TO MICRO CREDIT

CHANGES IN AGRICULTURAL INVESTMENT (=N= 000) 1 to 50 51 to 100 101 to150 151 to 200 201 to 250

90.00% 80.00% 70.00% 60.00% 50.00% 40.00% 30.00% 20.00% 10.00% 0.00%

Source: Data analyses 2013

From figure 5:7 portraits, there are significant changes in the agricultural investments of the borrowers on getting the micro loans. The borrowers after getting the micro loans showed decrease in low amounts investments but increase to the larger amounts investments capacity with the micro loans. The investments of both the borrowers before, the non-borrowers before and non-borrowers after micro credit exhibited high percentages of low amounts investments. There is gradual reduction in investments capacities of these groups with increasing high amounts investments categories. This means that there are no changes in agricultural investments of the non-borrowers during the same period when changes occurred in the borrowers agricultural investments.

5.8. Entrepreneurial Productivity with Micro Credit Analysis Entrepreneurial productivities of both borrowers and non-borrowers vulnerable groups for before and after the micro credit period is portrayed by figure 5:8. FIGURE 5:8, PRODUCTIONS OF BEFORE AND AFTER MICRO CREDIT

PRODUCTIONS (=N= 000)

1 to 50
%
90 80 69.51 70 60 50 40 30 20 10 4.88 0 21.95 8.54 0 0

51 to 100

101 to 150

151 to 200

201 to 250

82.93

84.15

39.63 41.46

10.37 3.66 15.85 1.22 0 0 14.02 1.83 0 0

Source: Data analyses 2013 Productivity of the vulnerable groups, according to figure 5:8, shows that nonborrowers before and after the relative micro credit period had zero productions within the capacity of =N=151,000.00 and above. Likewise the borrowers productivity within that high amounts productions before getting the micro credit was zero. The productions of these three groups were dominantly within the ranges of =N=1,000.00 to =N=50,000.00.

The borrowers after getting the micro credit got their productions shifted to high amounts within the capacities of =N=51,000.00 to =N=150,000.00. Sizable number of this group had their productions up to =N=250,000.00. As a fact, micro credit has indeed made a significant impact on the productions of the beneficiary vulnerable groups