IDEAS home Printed from https://ideas.repec.org/a/bdy/modfin/v3y2025i2p13-28id231.html
   My bibliography  Save this article

How bank recapitalization and ownership shape agricultural finance in Ghana: A note

Author

Listed:
  • Akwasi Agyeman Britwum
  • Franklin Nantui Mabe
  • Oluyemi Theophilus Adeosun

Abstract

This study examines the heterogeneous effects of recapitalization and the origin of banks on agricultural finance in Ghana, using panel data from 2015–2018 (pre-recapitalization) and 2019–2022 (post-recapitalization). Fixed effects regression with robust standard errors was employed, incorporating macroeconomic indicators (interest rate, inflation) and bank-specific variables (capital adequacy ratio, non-performing loans). Results show that recapitalization improved agricultural financing. Regional banks increased lending compared to foreign banks, while indigenous banks reduced lending. Macroeconomic and bank-specific factors also influenced agricultural finance differently. Policies should incentivize domestic banks to support the agricultural sector in enhancing food security and reducing dependence on foreign aid.

Suggested Citation

  • Akwasi Agyeman Britwum & Franklin Nantui Mabe & Oluyemi Theophilus Adeosun, 2025. "How bank recapitalization and ownership shape agricultural finance in Ghana: A note," Modern Finance, Modern Finance Institute, vol. 3(2), pages 13-28.
    • Handle: RePEc:bdy:modfin:v:3:y:2025:i:2:p:13-28:id:231
    as

    Download full text from publisher

    File URL: https://mf-journal.com/article/view/231
    Download Restriction: no
    ---><---

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:bdy:modfin:v:3:y:2025:i:2:p:13-28:id:231. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Adam Zaremba (email available below). General contact details of provider: https://mf-journal.com/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.