The study assessed the credit and savings techniques of male and female rural dwellers. Multistage
sampling procedure was used to select the study area. Data for the study was collected with
the aid of structured questionnaire and analyzed using percentages, frequencies and t-test.
Result of analysis shows that majority of the respondents were between the ages of 20-35years,
married (80.1%), and had formal education (80.0%). Male respondents' major credit sources
include families (45.2%), cooperative (39.7%), Ajo (34.2%). While the female counterparts
employ friends (12.5%), families (68.8%), cooperatives (14.6%), microfinance bank (54.2%),
commercial bank (25.0%), and Ajo (27.0%). There was a noticeable gender difference in the
sources of information on credit and savings facilities used, those of male respondents' include
newspaper (37.0%), posters (20.5%), fliers (9.6% ), bill board (20.5%), friends (72.6%),
relatives (43.8%), loan agents (58.9%), television (30.1%), farm organization (34.2%), ADP
agents (26.0%) and radio (16.4%), while those of the female counter parts include newspaper
(14.6%), posters (2.1%), fliers (89.6%), friends (81.3%), relatives (89.6%), loan agents
(72.9%), television (16.7%), farm organization (18.8%), ADP organization agent (16.7%) and
radio (8.3%). Constraints faced by male respondents are inadequate information (2.7%), time
wasting (9.6%), long process (38.4%), high interest rate (64.4%), control security (6.8%),
getting guarantor (9.6%), disappointments (12.3%), need for collateral (31.5%), difficult for
illiterate (9.6%), not enough time (17.8%), and those of the female respondents are inadequate
information (2.1%), time wasting (6.3%), long process (47.9%), high interest rate (45.8%),
control security (27.1%), getting guarantor (8.3%), disappointments (14.6%), need for
collateral (18.8%), difficult for illiterate (2.1%), not enough time (27.1%), undue
embarrassment (6.3%) and unavailability of money at weekends (4.1%). The result of t-test
analysis reveals that there were significant differences in sources of information on savings and
credit facilities utilized between male and female respondents. (t=2.075, P= 0.000), credit
sources employed by respondents (t=0.199, P=0.039), constraints faced by respondents during
securing loans (t=-1.074, P= 0.011); attitude towards microfinance banks (t=5.413; P=
0.000.It can therefore be concluded that credit and savings techniques employed by male and
female rural dwellers differ. Therefore, there is need for extension and development workers to
facilitate policies and guidelines that can empower women to secure credit in order to boost
agricultural productivity