Access to Financial Services and Its Impact on Household Income: Evidence from Rural Ghana

被引：5

作者：

Twumasi, Martinson Ankrah ^{[1
]}

Zheng, Hongyun ^{[2
]}

Asiedu-Ayeh, Love Offeibea ^{[3
]}

Siaw, Anthony ^{[1
]}

Jiang, Yuansheng ^{[1
]}

机构：

[1] Sichuan Agr Univ, Coll Econ, Chengdu, Peoples R China

[2] Huazhong Agr Univ, Coll Econ & Management, Wuhan 430070, Peoples R China

[3] Sichuan Agr Univ, Coll Management, Chengdu, Peoples R China

来源：

EUROPEAN JOURNAL OF DEVELOPMENT RESEARCH | 2023年 / 35卷 / 04期

关键词：

Access to financial services; Household income; Endogenous treatment regression model; Ghana; FARM CREDIT ACCESS; AGRICULTURAL CREDIT; EMPIRICAL-EVIDENCE; TECHNICAL EFFICIENCY; CONSTRAINTS; PRODUCTIVITY; INCLUSION; POVERTY; WELFARE; DETERMINANTS;

D O I：

10.1057/s41287-022-00544-y

中图分类号：

F0 [经济学]; F1 [世界各国经济概况、经济史、经济地理]; C [社会科学总论];

学科分类号：

0201 ; 020105 ; 03 ; 0303 ;

摘要：

This study examines the determinants of access to financial services and its impact on household income, using household data collected from rural Ghana. An endogenous treatment regression model is utilized to address the selection bias issue. The results reveal that access to financial services is affected by household heads' age, gender, education, off-farm work participation, farming experience, and access to non-fixed assets. Access to financial services exerts a positive and statistically significant impact on household income. Moreover, we find that access to financial services has a larger income impact for households with no member with chronic disease and male-headed households, relative to their counterparts. Our findings highlight the importance of financial services patronization in improving rural household welfare.

引用

页码：869 / 890

页数：22

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