Determinants of demand and supply of microcredit among fish farmers in Osun State

With the help of microcredit, a farmer's way of life could be transformed from one of utter destitution to one of greater dignity. For the poor and disadvantaged, especially rural farmers, it unlocks potential and increases productiv-ity and well-being. This study investigated the determinants of demand and supply of microcredit among fish farmers in Osun State. A multi-stage sampling procedure was used to select 150 fish farmers and 50 microcredit providers for the study. Data were analyzed using descriptive statistics and a si-multaneous equation model. The result revealed that many fish farmers are males (86.5%), married (77%), and educated (95%). Simultaneous equation estimates revealed that farm-ers' income, age, interest rate, and educational level determine microcredit demand among fish farmers whereas liquidity, ex-perience in lending, and interest rate determine the microcred-it supply in the study area. The findings of the study revealed that microcredit suppliers consider several factors before sup-plying credit to fish farmers.