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ABSTRACT
The study is an assessment of the effectiveness of Cooperatives in credit delivery to small-scale farmers in Egor and Ovia North East Local Government Areas, Edo State, Nigeria. It identified the socioeconomic characteristics of small-scale crop farmers, determined the credit amount demanded and supplied by cooperative societies, examined the management of queue of loan applications and timeliness in loan disbursement, the factors that influence loan approval and assessed the farmer’s satisfaction on the procedure of loan disbursement to assess their overall effectiveness in credit delivery. Primary data was sourced with the aid of a structured questionnaire. The information was analysed using descriptive statistics and Queue model. The result showed that the cooperatives were involved in credit delivery function and provided relatively small amount to their members within one to years repayment period, low interest rate and mild collateral requirement enabling members to have access to the credit required. However, the cooperative societies were not very effective in their queue management. Study recommends interest rates charged on credit facilities should be reduced to motivate the farming communities to source for credit.
