Employing the Margalef index of diversification, the linear regression model and three‐step feasible generalised least square, we analyse the impact of climate variability and expectation on the diversification strategies and vulnerabilities of rural households in Northern Ghana. The finding indicates households have diversified on and off the farm. The decrease average rainfall increases the diversification of total labour and female labour supply whilst decreasing diversification of cropland and income. Higher average rainfall lowers mean and variable per capita consumption. Extension service is an effective policy variable under high climate variability. We recommend increasing extension services and women economic empowerment. Copyright © 2017 John Wiley & Sons, Ltd.

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Purpose The purpose of this paper is to identify the perceptions of farmers on the major sources of risk and to examine the effectiveness of the risk management responses of rural smallholder farm households in the semi-arid region of Northern Ghana from the socioeconomic perspective. Design/methodology/approach Both descriptive statistics and exploratory factor analysis were used on a Likert scale question to rank and identify the important risk perceptions and management strategies of the farmers. The linear regression model was used to highlight the significant factors that affect the farmers’ risk perception and management responses. Findings The effects of the variations in crop yield, fertiliser prices and crop price on household income were perceived as the three most relevant sources of risk. Stabilising household income by growing different crops, storing feed/seed reserves and spreading sales were the most effective risk management strategies. Factor analysis identified market risk, production risk and human risk as major risk factors whereas diversification, financial strategy, and off-farm employment were perceived as the most effective risk management strategies. Farm and farmer characteristics were found to be significantly associated with risk perceptions and risk management strategies. Risk perceptions significantly increase the risk management strategy adopted by the smallholder rural farmers. Practical implications The findings of the paper call for the integration of farmers’ risk perceptions and management strategies in the development of agricultural policies for the semi-arid regions of Ghana. Originality/value This paper deviates from the traditional technology adoption studies by modelling rural household perceptions and management strategies using, using descriptive, factor analyses, and linear regression.

The main objective of this study is to identify livelihood strategies of fishing households in response to prevalent vulnerabilities they face within the Volta Basin. Questionnaires were administered to fishery households in the Basin using the multistage sampling technique. A non-hierarchical k-means cluster analysis partitioned the households into four livelihood strategies on which the multinomial logit regression was performed. These four identified strategies are fishery only, fishery and farming, fishery and non-farm, and fishery, non-farming and farming. The results from the multinomial logit regression revealed that marital status of head of household, number of months of food shortage experienced by a household per year, access to credit, access to extension services, distance to regular markets and district capital as well as experience in fishery were the major determinants of livelihood strategies. Implications for policy include the need for public extension services and training to invigorate fishery households' income. As majority of the fishery households combined fishing and non-fishing strategies, livelihood intervention programmes should prioritize improvement of the non-fishing activities and lead to opening other opportunities for rural development. This will take pressure off the fish stock by facilitating the regeneration of fish stock.

The impact of mobile money services in sub-Saharan Africa have been largely recognised. However, empirical studies are principally lacking on the factors influencing the decision to own a mobile phone (first hurdle), register with mobile money (second hurdle) and the intensity of use of mobile money services (third hurdle). This study examined the determinants of the mobile phone ownership, drivers of registration (participation) of mobile money services, and the intensity of use of mobile money services in rural Ghana by employing the triple hurdle approach. The first and second hurdle were analysed using the logit model while quasi-poisson regression was used to analyse the third hurdle. The analysis from the cross-sectional data showed that the decision to own a mobile phone was driven by household size, marital status, the farm size, access to electricity, income status and the type of occupation engaged, whereas the decision to register with mobile money was influenced by the age, educational status, marital status, household size, farm size and the type of occupation engaged in by the household head. The intensity of usage of mobile money services was influenced by the age of the household head, higher educational level, marital status of the household head, household and farm size as well as the distance of the household heads from the mobile money agent which directly influences the intensity of use of mobile money services by household heads. The study recommends that strategies that promote access to electricity and occupation in the formal sector or both farming and trading in the rural communities should be promoted. Furthermore, policy attention should focus on location, farmers and farm characteristics.