IDEAS home Printed from
   My bibliography  Save this article

Women farmers' access to credit from rural banks in Ghana


  • Mamudu A. Akudugu
  • Irene S. Egyir
  • Akwasi Mensah-Bonsu


Purpose - The purpose of this paper is to examine women farmers' access to credit from rural banks (RBs) in the Upper East region of Ghana. The paper examines the nature of credit supply by the RBs to their customers and the proportion that goes to women over a ten year period. It proposes the modelling of socio-economic, technical and institutional factors influencing women farmers' access to credit from financial institutions in general and rural banks (RBs) in particular. The paper aims to expand the frontiers of rural and agricultural financing as well as the integration of gender interest in the financial sectors of developing countries. Design/methodology/approach - In total, 200 women farmers were randomly selected and information on socio-economic, technical and institutional issues solicited from them. Ratio analyses were carried out and the logistic regression used to model the socio-economic, technical and institutional factors that have influence on access to credit from RBs by women farmers. Findings - The paper provides empirical evidence of close gender parity in terms of credit supply by RBs in Ghana. About 44 per cent of the credit portfolios of RBs in Ghana go to women and the remaining 56 per cent goes to men. Education, application procedures, access to land, income level, farm size, membership to economic associations, savings, type of crop grown, interest rate and distance to RBs are the socio-economic, technical and institutional factors that influence women farmers' access to credit. Research limitations/implications - The paper is limited to only women farmers. There is the need for further research that considers men and women so as to establish whether or not there is gender insensitivity by financial institutions in Ghana and other developing countries. Practical implications - This paper provides empirical implications for the development of a vibrant financial sector in developing countries that provide equal access to men and women, rural and urban dwellers as well as actors in the formal and informal sectors. Originality/value - This paper brings to light the issues of access to productive resources such as production credit by women in developing countries, particularly Ghana.

Suggested Citation

  • Mamudu A. Akudugu & Irene S. Egyir & Akwasi Mensah-Bonsu, 2009. "Women farmers' access to credit from rural banks in Ghana," Agricultural Finance Review, Emerald Group Publishing, vol. 69(3), pages 284-299, November.
  • Handle: RePEc:eme:afrpps:v:69:y:2009:i:3:p:284-299

    Download full text from publisher

    File URL:
    Download Restriction: Access to full text is restricted to subscribers

    As the access to this document is restricted, you may want to search for a different version of it.


    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.

    Cited by:

    1. Akudugu, M.A., 2010. "Implications Of The World Food Crises On Trends Of Local Food Prices In The Upper East Region Of Ghana," 2010 AAAE Third Conference/AEASA 48th Conference, September 19-23, 2010, Cape Town, South Africa 97088, African Association of Agricultural Economists (AAAE);Agricultural Economics Association of South Africa (AEASA).
    2. Feng Dai & Jianping Qi & Ling Liang, 2011. "Socio-economic development model based on stochastic advance-retreat course: An analysis on US economy in recent 70 years," International Journal of Social Economics, Emerald Group Publishing, vol. 38(5), pages 416-437, April.

    More about this item


    Ghana; Credit; Rural areas; Banks; Women; Agriculture;


    Access and download statistics


    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:eme:afrpps:v:69:y:2009:i:3:p:284-299. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Virginia Chapman). General contact details of provider: .

    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 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.

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

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.