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Credit Access, Crop Output, and Welfare of Women Farmers in the Northern Region of Ghana
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Author(s): Hamna A. Abdallah (University for Development Studies, Tamale, Ghana), Osman Tahidu Damba (University for Development Studies, Tamale, Ghana), Gideon Danso-Abbeam (University for Development Studies, Tamale, Ghana), Abdul-Razak Alhassan (University of Surrey, UK)and Issahaku Salifu (Birmingham City University, UK)
Copyright: 2023
Pages: 28
Source title:
Empowering Women Through Microfinance in Developing Countries
Source Author(s)/Editor(s): Yahaya Alhassan (University of Sunderland in London, UK)and Uzoechi Nwagbara (University of Sunderland in London, UK)
DOI: 10.4018/978-1-6684-8979-6.ch003
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Abstract
This study examined the effect of credit access on women farmers' welfare through crop output in the Northern Region of Ghana. The impact of credit on welfare through output was examined using the conditional mixed process (CMP) model on 300 women farmers. Credit access, welfare, and output were estimated individually and also within a conditional mixed process (CMP) system for choice of appropriate estimation due to endogeneity. Age, household size, extension access, and membership of farmer-based organization (FBO) significantly influence farmers' choice of credit source while credit access, expenditure on inputs, years of farming, land size, and membership of FBO significantly impacts on crop output. Crop output and off-farm income significantly influence welfare of women farmers. Pairwise correlation of credit sources revealed that Village Savings and Loans Association (VSLA) and Susu sources are complementary, and farmers who accessed credit from VSLA also accessed credit from Susu (rotating savings and credit associations).
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