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Awareness and use of m-banking services in agriculture: The case of smallholder farmers in Kenya

Author

Listed:
  • Kirui, Oliver K.
  • Okello, Julius Juma
  • Nyikal, Rose Adhiambo

Abstract

Smallholder farmer access to agricultural finance has been a major constraint to agricultural commercialization in developing countries. The ICT revolution in Africa has however brought an opportunity to ease this constraint. The mobile phone-based banking services that started in Kenya urban centers have spread to rural areas and even other countries. Using these services farmers could receive funds invest in agriculture finance transactions. This study examines the awareness and use of m-banking services among rural farmers in Kenya. It also assesses the factors conditioning the use of such services. The study finds high awareness of m-banking services among the smallholder farmers. It also finds that education, distance to a commercial bank, membership to farmer organizations, distance to the m-banking agents, and endowment with physical and financial assets affect the use of m-banking services. It discusses the implications of these findings for policy and practice.

Suggested Citation

  • Kirui, Oliver K. & Okello, Julius Juma & Nyikal, Rose Adhiambo, 2010. "Awareness and use of m-banking services in agriculture: The case of smallholder farmers in Kenya," 2010 AAAE Third Conference/AEASA 48th Conference, September 19-23, 2010, Cape Town, South Africa 96188, African Association of Agricultural Economists (AAAE).
    • Handle: RePEc:ags:aaae10:96188
    DOI: 10.22004/ag.econ.96188
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    Cited by:

    1. Johann, Kirsten & Mapila, Mariam & Okello, Julius J. & De, Sourovi, 2013. "Managing Agricultural Commercialization for Inclusive Growth in Sub-Saharan Africa," Working Papers 206518, University of Pretoria, Department of Agricultural Economics, Extension and Rural Development.
    2. Khethiwe Naledi Mthethwa & Mjabuliseni Simon Cloapas Ngidi & Temitope Oluwaseun Ojo & Simphiwe Innocentia Hlatshwayo, 2022. "The Determinants of Adoption and Intensity of Climate-Smart Agricultural Practices among Smallholder Maize Farmers," Sustainability, MDPI, vol. 14(24), pages 1-17, December.
    3. Gilbert E. Mushi & Giovanna Di Marzo Serugendo & Pierre-Yves Burgi, 2022. "Digital Technology and Services for Sustainable Agriculture in Tanzania: A Literature Review," Sustainability, MDPI, vol. 14(4), pages 1-17, February.

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    Keywords

    Financial Economics;

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