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The study was conducted to assess the adoption of improved technologies (innovations) in soyabean processing and utilization in Tafawa Balewa Local Government Area of Bauchi State, Nigeria. Three villages were selected from the study area and fifteen farmers from each village were selected, using simple random sampling technique. Twenty soyabean innovations in processing and utilization were selected for the study based on the local diet of the farmers and ease of fortification. An interview schedule was used to collect data on socioeconomic characteristics, sources of information on soyabean improved technologies and level of adoption of soyabean improved technologies of the respondents. Descriptive and multiple regression statistics were used to analyze the data. The results revealed that some socioeconomic characteristics significantly influenced soyabean innovation adoption (P<0.05 and P<0.01) both positively and negatively. These included: age (+ve), educational level (-ve), farm size (-ve), social participation (-ve) and awareness (-ve) while other four factors were not significant. Among the farmers selected for the study, those who had only primary and secondary education were the majority with 40% and 44%, respectively, 13% had tertiary education, while 2% had only quranic education. The results also showed that many farmers (64%) acquired information from friends/neighbours followed by extension contact (55%) and a few (42%) from radio/television. Out of 20 soyabean innovations, only six were adopted. Soya daddawa had the highest adoption of 78% followed by soya cheese (67%), soya kunu (29%), soya milk (28%), soya pap (22%) and the least adopted was soya vegetable soup with 4%. The level of adoption in this area seemed to be very low due to lack of adequate information and limited understanding. To increase protein food intake, adoption of soyabean improved technologies should be encouraged. Efforts should be made by extension workers to create more awareness on the importance of these innovations and on methods of processing. This way, consumption of soyabean can be enhanced to help reduce problems of malnutrition in both children and adults.

This study investigated the factors that are crucial in improving small holder cooperative farmers' loan repayment in Remo Division of Ogun state, Nigeria. Primary data used for the study were collected with the aid of well-structured questionnaire. Multi-stage sampling techniques were used to select the 120 respondents. The data were analyzed using descriptive statistics and probit regression model. The results of the descriptive analysis showed that about 56% of the respondents were able to repay their loans promptly while the rest were not. The respondents' mean age stood at 47 years, the majority of them are males and married with fair level of education. The majority of smallholder farmers in the study area had been farming for more than 20 years, while the household size for the majority of them was 4-6 members with average family size of 5. The results of the probit regression analysis revealed that age, level of education, farming experience, net farm income and loan size obtained were the major factors that increase the likelihood of loan repayment, while the number of family dependants reduces the probability of repayment. To improve loan repayment ability in the study area, this study recommended improvement in human capacity development as well as sensitization of the farmers in the study area about the importance of education.