Village savings and loan associations and household welfare: Evidence from Eastern and Western Zambia

Mwansakilwa, Chibamba; Tembo, Gelson; Zulu, Maureen; Wamulume, Mukata

doi:10.22004/ag.econ.258601

Cited by 3 publications

(2 citation statements)

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“…(2019) that found out that farmer's education has a negative effect on participation in VSLA in Ewutu Senya District of Ghana. On the contrary, the finding disagrees with Mwansakilwa et al . (2017) and Mesore (2016) who found a positive relationship between education and VSLA participation in Western Zambia and Ethiopia respectively.…”

Section: Resultscontrasting

confidence: 90%

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Impact of village saving groups on adoption intensity of sustainable agricultural practices among smallholder farmers in Northern region, Ghana

Alhassan,

Boateng,

Danso-Abbeam

2023

AFR

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PurposeAccess to formal financial services is one of the main obstacles to the adoption of agricultural technologies such as Sustainable Agricultural Practices (SAPs). In order to increase financial inclusion and lessen farmers' liquidity restrictions, Village Savings and Loans Associations (VSLA) are being promoted in rural farming communities. However, there extent to which VSLA contributes to the acceleration of agricultural practices, such as SAP, remains little explored in existing literature. The objective of this study was to quantitatively assess the impact of VSLA on the intensity of adoption of SAPs.Design/methodology/approachThis study used cross-sectional data from 376 farming households in the East Gonja district of Ghana. An Endogenous Poisson Treatment Regression (EPTR) was applied to correct for self-selection bias that might emanate from both observed and unobserved differences in household characteristics.FindingsThe empirical results indicated that farmers' engagement in non-farm economic activities, ownership of land and size of agricultural land under cultivation positively and significantly influence the intensity of SAPs adoption. Moreover, participation in VSLA improves the adoption of SAPs, and that VSLA-participants adopted about three more SAPs than they would have if they did not participate in VSLA.Practical implicationsThis study re-affirmed the significance of VSLA in rural farming communities and recommend that it should be promoted as an alternative to formal financial services to enhance financial inclusiveness, and consequently boost the uptake of SAPs.Originality/valueIn the search of literature, this study is the first to estimate the impact of VSLA on adoption of SAPs. The use of EPTR helps to bring out the true treatment effects of VSLA on SAPs.

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Section: Resultscontrasting

confidence: 90%

“…Consequently, many previous studies (Aaron et al ., 2019; Karlan et al ., 2017; Lambongang et al ., 2020; Mbiro and Ndlovu, 2021; Mwansikilwa et al ., 2017; Sienso et al ., 2021) have addressed the impact of village saving groups on food and nutrition security and some other welfare indicators. Bannor et al .…”

Section: Introductionmentioning

confidence: 99%