Access to finance poses a significant challenge for smallholder farmers, influencing the prospects for improving their livelihoods. Financial literacy stands out as a pivotal factor in overcoming this hurdle, playing a crucial role in attaining access to finance, maintaining creditworthiness and fostering economic stability. The objective of this study is to enable an understanding of the financial literacy level of smallholder farmers and to explore empirically the factors that can be associated with their financial literacy. The study is based on a field survey using structured questionnaires targeting 506 smallholder farmers located in different parts of Albania. Descriptive analysis and logit regression analyses are carried out in order to study the relationship between farmers’ capacity to calculate credit obligations and their farm assets, access to knowledge, access to financial services and behaviours related to financial record keeping. The ability to correctly calculate the value of the credit costs has been found to be positively associated with access to previous training, experience with application for accessing subsidies, access to a bank account, and their habit of financial keeping records.

Farm to school (F2S) programmes ensure school pupils receive an appropriate diet, fight malnutrition, and motivate children to attend school. The participation of local smallholders in F2S schemes contributes to these objectives, but also provides a market opportunity for local small farms. This is particularly important in the case of developing or emerging economies that are characterised by malnutrition among children and where smallholdings often struggle with limited market access, as is the case with Albania. The aim of this paper is to explore the main factors affecting farmers’ willingness to participate in a F2S scheme using data from a structured farm survey. Regression analysis results show that economically based motivation (farm-related factors such as size and post-harvest losses) intertwined with social capital factors and attitudinal indicators (experience and attitudes towards cooperation, reliance on local governmental support, information, and product safety perception level) affect farmers’ willingness to participate in F2S schemes. For farmers to participate viably in such schemes, it is necessary to provide knowledge, awareness, and support for ensuring compliance with food safety and quality standards and for improving cooperation.

In this study, we estimate the impact of land fragmentation and crop rotation on farm productivity in rural Albania. We employ a stochastic production frontier estimation approach to survey data collected among farm households in Albania in 2013. Our estimates suggest that land fragmentation improves farm efficiency, probably because it permits a better use of household labour during the production seasons. Our estimates also suggest that crop rotation increases farm efficiency. However, the impact of land fragmentation on on farm efficiency is far more pronounced.