Factors Influencing the Decision to Participate in Micro-credit Programme: An Illustration for Northern Ghana

Ayamga, Michael; Sarpong, Daniel Bruce; Asuming-Brempong, Samuel

doi:10.4314/gjds.v3i2.35043

Cited by 28 publications

(41 citation statements)

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“…Secondly, older household heads may not have the motivation to join such a platform as the level of willingness to adopt innovation declines with age. The result is consistent with Ayamga (2006) who found that as age increases, the probability of a farmer to participate in microcredit programmes in northern Ghana, decreases. However, the finding is contrary to Asante et al (2011).…”

Section: Determinants Of Multi-stakeholder Platform Participationsupporting

confidence: 90%

Factors influencing willingness to participate in multi-stakeholder platform by smallholder farmers in Northern Ghana: implication for research and development

Martey¹,

Etwire²,

Wiredu³

et al. 2014

Agric Econ

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Innovation platforms are established to facilitate open communication and collaboration among various actors usually within a value chain to promote collective resource management. The concept of innovation platform as a strategy of entry point for operationalization, validation and dissemination of agricultural technology have received much attention in recent times among researchers in Ghana. However, very limited information exists on the factors that influence willingness of farmers' participation. The present study identified the factors influencing willingness to participate in innovation platform and also tested the level of agreement among the identified constraints associated with participation using the Probit model and Kendall's coefficient of concordance respectively. Data for the study was collected from a cross sectional primary observations of 250 smallholder rice farmers in northern Ghana. The study observes, inter alia, that age of household head, household size and household income significantly influenced willingness to participate on the platform. The Kendall's coefficient of concordance value indicated that there was 21 percent agreement between the rankings of the participation constraints faced by the sampled rice farmers. Income-earning and younger household heads must be targeted coupled with situation of the platforms close to smallholder farmers to encourage participation.

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Section: Determinants Of Multi-stakeholder Platform Participationsupporting

confidence: 90%

Factors influencing willingness to participate in multi-stakeholder platform by smallholder farmers in Northern Ghana: implication for research and development

Martey¹,

Etwire²,

Wiredu³

et al. 2014

Agric Econ

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“…The estimation procedure employed also resolves the problem of heteroscedasticity and constrains the conditional probability of making the decision to pay for improved waste management services lie between zero and one. The main reason for choosing the logit model over the probit model for this paper is because of its mathematical convenience and simplicity [6] and the fact that it has been applied in similar studies by [8,9] among others.…”

Section: The Theoretical and Analyticalmentioning

confidence: 99%

Urban Households' Willingness to Pay for Improved Solid Waste Disposal Services in Kumasi Metropolis, Ghana

Awunyo‐Vitor

Ishak

Jasaw

2013

Urban Studies Research

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Solid waste management within Kumasi Metropolitan Assembly area continues to be a major challenge for the municipal assembly and one of the key issues is its financial constraints. This study was undertaken to examine households' willingness to pay for improved solid waste management services. A multistage sampling technique was employed to select six hundred respondents for the study. Logistic regression model was used to establish the determinants of willingness to pay for solid waste management whilst the Tobit model was used to evaluate the factors influencing the amount of money the households are willing to pay for improved solid waste management. The logistic model shows that income, age, number of children, quantity of waste generated, and education have significant effects on the willingness to pay, while the amount of money the households are willing to pay was influenced by their income, quantity of waste generated, education, house ownership, and number of children. Thus, the assembly can increase waste collection fees between GHC 3 and GHC 5.00. This would lead to improvement in the waste management within the metropolis. However, the additional charge should take into consideration location and income levels.

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“…It has been used by a number of researchers in related studies (Ayamga et al, 2006;Fakayode and Rahji, 2009). Given that the utility derived from not taking the decision to do something is U i0 and the decision to do it is U i1 , then:…”

Section: The Modelling Frameworkmentioning

confidence: 99%

“…Borrowers are often allowed to have very little or no influence over the design of their own projects but when poor choices lead to lack of produce to market, they are still expected to repay credit advanced to them. Also, financial institutions such as the RBs tend to rely on already existing economic associations to identify suitable clients for loans (FAO, 2002;Ayamga et al, 2006) and this makes those not in groups not having access. Besides, where the application procedures are long and complicated, access to credit is also limited especially in situations where many of the borrowers are illiterates (Johnson, 2004).…”

Section: Introductionmentioning

confidence: 99%

Women farmers' access to credit from rural banks in Ghana

Akudugu

Egyir

Mensah‐Bonsu

2009

Agricultural Finance Review

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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.

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Factors Influencing the Decision to Participate in Micro-credit Programme: An Illustration for Northern Ghana

Cited by 28 publications

References 0 publications

Factors influencing willingness to participate in multi-stakeholder platform by smallholder farmers in Northern Ghana: implication for research and development

Factors influencing willingness to participate in multi-stakeholder platform by smallholder farmers in Northern Ghana: implication for research and development

Urban Households' Willingness to Pay for Improved Solid Waste Disposal Services in Kumasi Metropolis, Ghana

Women farmers' access to credit from rural banks in Ghana

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