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Mobile Money, Output and Welfare Among Smallholder Farmers in Ghana

Author

Listed:
  • James Atta Peprah
  • Clement Oteng
  • Joshua Sebu

Abstract

The objective of this study is to examine the impact of mobile money (m-money) adoption on some household outcomes such as farm output, welfare (consumption expenditure), and wealth (value of assets). Using primary data collected from three districts in Ghana, three Propensity Score Matching methods were employed to estimate the m-money adoption effect on the household outcomes. It is found that advertisements and higher than basic levels of education, among other variables, were important in influencing the adoption of m-money among smallholder farmers. The adoption of m-money was also seen to have an enhancing effect on the household outcome variables (farm output, welfare, and wealth) of smallholder farmers. The results suggest that mobile money can help enhance some of the smallholder economic outcomes that are relevant for rural development and poverty reduction. Policy options should consider expanding m-money services to smallholder farmers in rural areas.

Suggested Citation

  • James Atta Peprah & Clement Oteng & Joshua Sebu, 2020. "Mobile Money, Output and Welfare Among Smallholder Farmers in Ghana," SAGE Open, , vol. 10(2), pages 21582440209, June.
    • Handle: RePEc:sae:sagope:v:10:y:2020:i:2:p:2158244020931114
    DOI: 10.1177/2158244020931114
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    References listed on IDEAS

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    3. Awal Abdul‐Rahaman & Awudu Abdulai, 2022. "Mobile money adoption, input use, and farm output among smallholder rice farmers in Ghana," Agribusiness, John Wiley & Sons, Ltd., vol. 38(1), pages 236-255, January.
    4. Godsway Korku Tetteh, 2023. "Local digital lending development and the incidence of deprivation in Kenya," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 9(1), pages 1-26, December.
    5. Carlos Sakyi‐Nyarko & Ahmad Hassan Ahmad & Christopher J. Green, 2022. "Investigating the well‐being implications of mobile money access and usage from a multidimensional perspective," Review of Development Economics, Wiley Blackwell, vol. 26(2), pages 985-1009, May.
    6. Parlasca, Martin & Johnen, Constantin & Qaim, Matin, 2021. "Use of Mobile Financial Services Among Farmers in Africa: Insights from Kenya," 2021 Conference, August 17-31, 2021, Virtual 315863, International Association of Agricultural Economists.
    7. Sheng Xu & Jingwen Wang, 2023. "The Impact of Digital Financial Inclusion on the Level of Agricultural Output," Sustainability, MDPI, vol. 15(5), pages 1-17, February.

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