Empirical impact of financial service access on farmers income in Ghana

IF 0.8 4区农林科学 Q3 AGRONOMY

Ciencia Rural Pub Date : 2023-02-27 DOI:10.1590/0103-8478cr20220345

Anthony Siaw, Martinson Ankrah Twumasi, Wonder Agbenyo, E. Ntiamoah, Gideon Amo-Ntim, Yuansheng Jiang

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引用次数: 0

Abstract

ABSTRACT: The impact of access to financial services (AFS) and access to informal financial services (AIFS) on farmer income is examined in this study. After a multi-stage random sampling procedure, the study used a sample size of 478 people from two regions in Ghana. The endogenous treatment regression (ETR) model was used to account for selection bias while the unconditional quantile regression (UQR) model was used for a heterogenous analysis. The findings showed that education, financial literacy, IT access, farm size, and distance were all factors of access to financial services. Similarly, the findings revealed a positive and statistically significant link between household income and access to formal financial services. Similarly, there was a positive and significant association between access to informal financial services and household income. The findings showed that access to formal and informal financial services has different effects on household income. As a result, the effects of access to financial services on income varied by quantile. Based on the findings of the study, we developed policies to boost financial services accessibility as a means of increasing household income.

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金融服务准入对加纳农民收入的实证影响

摘要:本文考察了金融服务可及性(AFS)和非正式金融服务可及性(AIFS)对农民收入的影响。经过多阶段随机抽样程序，该研究使用了来自加纳两个地区的478人的样本。采用内生处理回归(ETR)模型解释选择偏倚，采用无条件分位数回归(UQR)模型进行异质性分析。调查结果显示，教育程度、金融知识、信息技术获取、农场规模和距离都是获得金融服务的因素。同样，调查结果显示，家庭收入与获得正规金融服务之间存在统计学上显著的积极联系。同样，在获得非正规金融服务和家庭收入之间也存在积极和重要的联系。研究结果表明，获得正规和非正规金融服务对家庭收入的影响不同。因此，获得金融服务对收入的影响因分位数而异。根据研究结果，我们制定了促进金融服务可及性的政策，作为增加家庭收入的一种手段。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Ciencia Rural AGRONOMY-

CiteScore

1.70

自引率

0.00%

发文量

233

审稿时长

2-4 weeks

期刊介绍： The purpose of Ciência Rural is to publish the results of original research, note and reviews which contribute significantly to knowledge in Agricultural Sciences. Preference will be given to original articles that develop news concepts or experimental approaches and are not merely repositories of scientific data. The decison of acceptance for publication lies with the Editors and is based on the recommendations of Editorial Comission, Area Committee and/ or ad hoc reviewers. The editors and reviewers are external to the institution.