“…The exposure to risks, shocks and low welfare incentives are the main problems faced by agricultural households in Africa (Osabohien et al, 2020a(Osabohien et al, , 2020b(Osabohien et al, , 2020cMatthew et al, 2019aMatthew et al, , 2019bOsabohien et al, 2019aOsabohien et al, , 2019bOmiti & Nyanamba, 2007). This is as a result of the fact that in Africa various policy and institutional reforms have been less than satisfactory in their outcomes (Beecroft et al, 2020;Igharo et al, 2020).…”