Abstract
This study analysed the determinants of poultry farmers‘ decision to utilize credit in Abia state, Nigeria. The study was based on primary data obtained using a multistage random sampling technique, 80 respondents were obtained. The data was analyzed using descriptive statistics, logit regression, cost and returns analysis and multiple regression. The study shows that majority of the farmers were still in their active age though 55.6% and 55.9% non credit and credit users respectively were male. 67% of the farmers had secondary education and above. Majority of the famers have a household size of 55.6% and 52.9% for non credit and credit users respectively. Seventy one percent and 65.7% non credit and credit users respectively has farming as their main occupation. The study shows that majority of the poultry farmers in Abia state uses personal savings for poultry farming. Result from the logit regression model shows that factors such as sex, age, level of education, farming experience cooperative membership, income, credit experience and loan are the determinants of poultry farmers‘ decision to use credit.
