This study sought to address the apparent paradox with respect to whether rural-urban migration leads to reduced prospect for migrants to access credit services in destinations. Descriptive and inferential statistics encompassing varied test statistics as measures of association and mean differences as well as a recursive bivariate probit model were used. Findings revealed marginal difference between the proportions of rural-urban migrants (about 31%) and native residents within the case study EUCs (about 32%) with access to credit services. A bivariate probit model identified age as the main factor influencing rural-urban migration. The model identified annual income, membership to local ne
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