Credit access and intensity of borrowing by irrigated rice farmers in Ghana: the role of extension services

IF 2.4 Q2 AGRICULTURAL ECONOMICS & POLICY
Samuel Kwabena Chaa Kyire, R. Bannor, J. Kuwornu, H. Oppong-Kyeremeh
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Abstract

PurposeCredit is essential in the farm business because it facilitates the adoption of productive technologies such as irrigation. However, access to credit remains a significant hurdle for sub-Saharan Africa, including Ghanaian farmers. Therefore, the authors assessed credit utilization and the intensity of borrowing by irrigated rice farmers in the Upper East region. In addition, how extension moderates the amount borrowed was analysed.Design/methodology/approachThe multistage sampling approach was used in the study. The Tono and Vea irrigation schemes were purposively selected. Proportionally, 318 rice farmers were sampled from the Tono irrigation scheme and 159 from the Vea irrigation scheme. Cragg's double hurdle and moderation analysis were used.FindingsIt was uncovered that gender, age, years of farming, total farm size, rice farm size, contract farming and off-farm employment explain farmers' decision to borrow. On the other hand, the intensity of borrowing was influenced by gender, age, years of farming, rice farm size, contract farming and the number of extension contact. The moderation analysis revealed that extension contact improves the amount borrowed by farmers.Research limitations/implicationsWhile there are irrigated rice farmers in other regions of Ghana, this study was limited to rice farmers under the Tono and Vea Irrigation schemes in the Upper East region.Originality/valueThis study investigated the moderating role of extension contact on amount borrowed in Ghana. This makes a modest addition to the limited literature on the moderating role of extension and credit access.
加纳灌溉稻农的信贷获取和借贷强度:推广服务的作用
目的信贷在农业企业中至关重要,因为它有助于采用灌溉等生产技术。然而,对撒哈拉以南非洲,包括加纳农民来说,获得信贷仍然是一个重大障碍。因此,作者评估了上东部地区灌溉稻农的信贷利用率和借贷强度。此外,还分析了延期如何调节借款金额。设计/方法/方法本研究采用了多级抽样方法。有目的地选择了托诺和维亚灌溉方案。按比例,从Tono灌溉计划中抽取318名稻农,从Vea灌溉计划中选取159名稻农。使用了Cragg的双障碍和适度分析。研究发现,性别、年龄、耕种年限、农场总规模、水稻农场规模、合同农业和非农就业可以解释农民的借贷决定。另一方面,借贷强度受性别、年龄、耕作年限、稻田规模、承包经营和推广接触次数的影响。适度分析表明,延期接触提高了农民的借贷金额。研究局限性/影响虽然加纳其他地区也有灌溉稻农,但本研究仅限于上东部地区Tono和Vea灌溉计划下的稻农。原创性/价值本研究调查了延期联系对加纳借款金额的调节作用。这对关于信贷发放和信贷获取的调节作用的有限文献做了适度的补充。
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来源期刊
CiteScore
4.60
自引率
37.50%
发文量
58
期刊介绍: The Journal of Agribusiness in Developing and Emerging Economies publishes double-blind peer-reviewed research on issues relevant to agriculture and food value chain in emerging economies in Asia, Africa, Latin America and Eastern Europe. The journal welcomes original research, particularly empirical/applied, quantitative and qualitative work on topics pertaining to policies, processes, and practices in the agribusiness arena in emerging economies to inform researchers, practitioners and policy makers
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