The impact of rural cadastral system transformation on credit access: empirical evidence from Bahir Dar Zuria Woreda, Amhara region – Ethiopia

This study examines how Ethiopia’s rural cadastral system transformation affects landholders’ access to formal credit, using institutional theory and the 8R Responsible Land Management Framework. Surveying 256 landholders in Bahir Dar Zuria Woreda and interviewing Tsedey Bank officers, quantitative data were analyzed with multiple-linear regression and qualitative data thematically. Despite 92% completing Second Level Land Certification, only 1.4% accessed credit, averaging ETB 41,394 (∼USD 265, based on the February 24, 2026 exchange rate, which is 156.2). Policy reforms positively influenced credit access, while institutional structure and processes had weaker effects. Findings highlight gaps in responsiveness, recognizability, and reflexivity. Strengthening legal frameworks, coordination with financial institutions, awareness, and standardized appraisals are recommended.