Loan refusal has been a problem facing many loan applicants at the household level and this problem is not new to loan applicants in Ghana. Despite this knowledge, researchers passively discuss loan refusal and do not consider the intensity of this problem. This study analyses the effect of...

Youth unemployment is a major setback to sustainable growth. In recent times, Ghana has experienced a downward trend in youth employment in spite of several attempts made by the government to control the unemployment situation. This paper explores savings behaviour, entrepreneurial trait and the...

Purpose: Does financial inclusion matter for productivity among smallholder farmers? The authors answer this question by using the sixth and seventh rounds of the Ghana Living Standard Survey to examine the extent to which financial inclusion affects productivity among smallholder farmers in...

This brief explores factors that influence crop yield volatility among rural and urban smallholder farmers in Ghana. The data was sourced from the sixth round of the Ghana Living Standard Survey (GLSS 6). The findings showed that while rural farmers in the forest and coastal zones experienced...

Contrary to the confidence in the ability of microfinance to uplift the poor on the social structure so that upon reaching a higher echelon, the poor (clients) will be able to save and borrow from formal financial institutions (FFIs), most of the poor and socially vulnerable have now become...

This paper attempts to explore crop yield volatility among rural and urban smallholder farmers. The data for the study was sourced from the sixth round of the Ghana Living Standard Survey (GLSS 6). Three separate Ordinary Least Squares (OLS) models were estimated to determine the effect of...

This paper examines the effects of the various sources of capital and credit available for financing non-farm enterprises in Ghana. A maximization of the household production function yields linear equations for estimating the key parameters of interest. Capital from bank, family, NGOs and money...

The paper answers the question of whether poverty, employment status and demographic characteristics matter in the demand for insurance in Ghana. Using binary logit estimation on the GLSS6 data, we found that the poor have a lower probability of demand for insurance, with locational influence...

This paper sets out to provide a detailed transmission mechanism between multiple borrowing and over-indebtedness and to link over-indebtedness to microcredit addiction using desktop review and a focus group discussion with microfinance practitioners from Ghana. We find that addiction to...