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Women farmers' access to credit from rural banks in Ghana

Author

Listed:
  • Mamudu A. Akudugu
  • Irene S. Egyir
  • Akwasi Mensah‐Bonsu

Abstract

Purpose - The purpose of this paper is to examine women farmers' access to credit from rural banks (RBs) in the Upper East region of Ghana. The paper examines the nature of credit supply by the RBs to their customers and the proportion that goes to women over a ten year period. It proposes the modelling of socio‐economic, technical and institutional factors influencing women farmers' access to credit from financial institutions in general and rural banks (RBs) in particular. The paper aims to expand the frontiers of rural and agricultural financing as well as the integration of gender interest in the financial sectors of developing countries. Design/methodology/approach - In total, 200 women farmers were randomly selected and information on socio‐economic, technical and institutional issues solicited from them. Ratio analyses were carried out and the logistic regression used to model the socio‐economic, technical and institutional factors that have influence on access to credit from RBs by women farmers. Findings - The paper provides empirical evidence of close gender parity in terms of credit supply by RBs in Ghana. About 44 per cent of the credit portfolios of RBs in Ghana go to women and the remaining 56 per cent goes to men. Education, application procedures, access to land, income level, farm size, membership to economic associations, savings, type of crop grown, interest rate and distance to RBs are the socio‐economic, technical and institutional factors that influence women farmers' access to credit. Research limitations/implications - The paper is limited to only women farmers. There is the need for further research that considers men and women so as to establish whether or not there is gender insensitivity by financial institutions in Ghana and other developing countries. Practical implications - This paper provides empirical implications for the development of a vibrant financial sector in developing countries that provide equal access to men and women, rural and urban dwellers as well as actors in the formal and informal sectors. Originality/value - This paper brings to light the issues of access to productive resources such as production credit by women in developing countries, particularly Ghana.

Suggested Citation

  • Mamudu A. Akudugu & Irene S. Egyir & Akwasi Mensah‐Bonsu, 2009. "Women farmers' access to credit from rural banks in Ghana," Agricultural Finance Review, Emerald Group Publishing Limited, vol. 69(3), pages 284-299, November.
    • Handle: RePEc:eme:afrpps:v:69:y:2009:i:3:p:284-299
    DOI: 10.1108/00021460911002671
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    Citations

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    Cited by:

    1. Sarpong, D. B. & Mabhaudhi, Tafadzwanashe & Minh, Thai & Cofie, Olufunke, 2022. "Sustainable financing ecosystem for cocoa irrigation in Ghana: a literature review," IWMI Books, Reports H051654, International Water Management Institute.
    2. Akudugu, M.A., 2010. "Implications Of The World Food Crises On Trends Of Local Food Prices In The Upper East Region Of Ghana," 2010 AAAE Third Conference/AEASA 48th Conference, September 19-23, 2010, Cape Town, South Africa 97088, African Association of Agricultural Economists (AAAE).
    3. Akudugu, M. A., 2018. "The Relative Importance of Credit in Agricultural Production in Ghana: Implications for Policy and Practice," 2018 Conference (2nd), August 8-11, Kumasi, Ghana 277794, Ghana Association of Agricultural Economists.
    4. Enock Kojo Ayesu, 2020. "Empirical Determinants of Traders Access to Credit in Ghana: Does Literacy Level Matter?," Economics Literature, WERI-World Economic Research Institute, vol. 2(1), pages 57-70, June.
    5. Ma, Wanglin & Qiu, Huanguang & Fan, Yubing & Zhou, Xiaoshi, 2020. "The joint effects of ICT adoption and access to credit on household income in China," 2020 Annual Meeting, July 26-28, Kansas City, Missouri 304431, Agricultural and Applied Economics Association.
    6. Hamdiyah Alhassan & Benjamin Musah Abu & Paul Kwame Nkegbe, 2020. "Access to Credit, Farm Productivity and Market Participation in Ghana: A Conditional Mixed Process Approach," Margin: The Journal of Applied Economic Research, National Council of Applied Economic Research, vol. 14(2), pages 226-246, May.
    7. Wongnaa, Camillus Abawiera & Babu, Suresh, 2020. "Building resilience to shocks of climate change in Ghana's cocoa production and its effect on productivity and incomes," Technology in Society, Elsevier, vol. 62(C).
    8. Yaw Sarfo & Oliver Musshoff & Ron Weber & Michael Danne, 2021. "Farmers’ willingness to pay for digital and conventional credit: Insight from a discrete choice experiment in Madagascar," PLOS ONE, Public Library of Science, vol. 16(11), pages 1-23, November.
    9. Feng Dai & Jianping Qi & Ling Liang, 2011. "Socio‐economic development model based on stochastic advance‐retreat course," International Journal of Social Economics, Emerald Group Publishing Limited, vol. 38(5), pages 416-437, April.
    10. Sarfo, Yaw & Musshoff, Oliver & Weber, Ron & Danne, Michael, 2021. "Farmers’ Willingness to Pay for Digital Credit: Evidence from a Discrete Choice Experiment in Madagascar," 2021 Conference, August 17-31, 2021, Virtual 315029, International Association of Agricultural Economists.
    11. Sarfo, Yaw & Musshoff, Oliver & Weber, Ron & Danne, Michael, 2021. "Farmers’ willingness to pay for digital and conventional credit: Evidence from a discrete choice experiment in Madagascar," 61st Annual Conference, Berlin, Germany, September 22-24, 2021 317074, German Association of Agricultural Economists (GEWISOLA).
    12. Wanglin Ma & Huanguang Qiu & Dil Bahadur Rahut, 2023. "Rural development in the digital age: Does information and communication technology adoption contribute to credit access and income growth in rural China?," Review of Development Economics, Wiley Blackwell, vol. 27(3), pages 1421-1444, August.
    13. Akudugu, M. A., 2012. "Estimation of the Determinants of Credit Demand by Farmers and Supply by Rural Banks in Ghana’s Upper East Region," Asian Journal of Agriculture and Rural Development, Asian Economic and Social Society (AESS), vol. 2(02), pages 1-13, June.
    14. Tan, Jing & Cai, Dongliang & Han, Kefei & Zhou, Kui, 2022. "Understanding peasant household’s land transfer decision-making: A perspective of financial literacy," Land Use Policy, Elsevier, vol. 119(C).
    15. Wongnaa, Camillus Abawiera & Nti, Emmanuel Kwame & Acheampong, Patricia Pinamang & Bannor, Richard Kwasi & Babu, Suresh Chandra, 2021. "The Shift from Crop Production to Mining Activities in Arable Lands: Evidence from Ghana," 2021 Conference, August 17-31, 2021, Virtual 314946, International Association of Agricultural Economists.
    16. Emmanuel Tetteh Jumpah & Abdulai Adams, 2020. "Resolving the Constraints in Accessing Microcredit: The Neglected Views of the Smallholder Farmers," International Journal of Social and Administrative Sciences, Asian Economic and Social Society, vol. 5(1), pages 1-15, March.

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