Getting income from off-farm activities (X6) is another economic factor that is positively and significantly related
to loan repayment performance of smallholder farmers. This might be due to the fact that off-farm activities were
additional sources of income for smallholders and the cash generated from these activities could back up the
farmers’ income to settle their debt even during bad harvesting seasons and when repayment period coincides with
low agricultural prices. During this time, farmers who practice off-farm activities can easily repay their loan on
time than those without or little off-farm income. Participation in off-farm activities increased the probability of