2026-06-27http://hdl.handle.net/123456789/130792In Ethiopia smallholder livestock producers have adopted components of improved dairy technologies but the intensity of adoption remains low. It is hypothesized that credit-related constraints limit the ability of many smallholder farmers to make investments in crossbred cows and/or to purchase complementary inputs associated with improved dairy technologies. This paper assesses how credit influences farmers' investment and their production decisions. Farmers are classified as credit constrained or non-credit-constrained. The results showed that credit has had little influence on variables such as input use or farmers' marketing decisions.Limited Accessdairy industrytechnologycreditfeed resourceslivestock numbersmilk productionmilk yieldpoliciesexpenditureincomeJournal Article