Ado Nasiru1, Salihu Musa2, and Bello O. G1
1Department of Agricultural Extension and Rural Sociology, Federal University Dutse, Nigeria; 2Department of Agricultural Economics and Agribusiness, Federal University Dutse, Nigeria
*Corresponding author: bappa.girei@gmail.com
Savings are the germs of resilience for small-scale farmers protect farmers against uncertainties, empowering them to invest, innovate, and thrive even in the face of climate and market shocks. The study conducted to evaluate the determinants of Savings Participation in Community-Based Savings Groups (CBSGs) Among Smallholder Rice Farmers in Jigawa State, Nigeria. Data were collected from 100 pilot respondents across the state. The data were analyzed using descriptive statistics and multiple regression analysis. Based on the findings it can be concluded that the farming community faces systemic challenges related to gender disparity, low education, limited access to finance, and small farm sizes. This success highlights that targeted interventions can effectively address the systemic challenges faced by these farmers. The determinants of savings are found to be income generated (B =5.95, P<10), profits on investment (B =0.003, P<1) yield in kg, (B =10.94, P<1) acceptability of the model (B =7.9, P<5) continuity of the model and involvement in agribusiness (B=10.73, P<1). The study identified gender disparity and limited access to finance as key barriers to savings participation. Since women often face restricted access to formal financial services, adapting CBSGs to be more gender-inclusive could enhance participation.