PurposeFinancial inclusion is an issue of importance and increasing concern worldwide, particularly to policymakers across Africa and the rest of the developing world. The purpose of this paper is to investigate the level of usage of formal financial services among Ghanaian agricultural households as well as factors influencing these levels.Design/methodology/approachFinancial inclusion indicators associated with the usage of formal financial services are selected from the 2017 Ghana Living Standard Survey. Using these indicators, an index measuring the level of usage of formal financial services is developed. A multinomial logistic regression model is implemented to analyze the possible effect that farm and household characteristics have on index measures.FindingsUsage of formal financial services is very low among agricultural households, with many households using no financial products or services. Household expenditure, education, religion, geographic location, and the use of informal financial services were found to be consistent factors impacting household financial inclusion levels.Practical implicationsFindings may assist policymakers in designing policy schemes aimed at improving access to and usage of financial services for Ghanaian agricultural households. This may lead to a more inclusive financial system with the potential to improve the livelihood of agricultural households and contribute to Ghana's overall economic development.Originality/valueA household-level index measuring usage of formal financial services was developed and characteristics influencing said index measures were examined, providing a more holistic view and understanding of factors influencing usage decisions.
ObjectiveThis study utilized best–worst scaling and latent class analysis to assess mental health treatment preferences and identify subgroups of college student help seekers.MethodCollege students (N = 504; age: M = 20.3, 79.2% female) completed assessments of mental health treatment preferences, self‐stigma, and distress.ResultsStudents preferred utilizing friends and family, followed by professional mental health providers, self‐help, keeping concerns to themselves, physicians, and lastly religious leaders. Latent class analyses identified four classes of respondents.ConclusionsSubgroups of student help seekers include Formal Help Seekers who prefer professional mental health providers, Informal Help Seekers who prefer friends and family, Ambivalent Help Seekers who prefer family and friends but also keeping concerns to themselves, and Help Avoiders who prefer keeping concerns to themselves. Assessing treatment preferences among different student subgroups may constitute an initial step in identifying effective ways to address university‐wide mental health concerns.
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