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Determinants of Use and Intensity of Use of Mobile Phone-based Money Transfer Services in Smallholder Agriculture: Case of 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 money transfer (MMT) services that started in Kenya urban centres have spread to rural areas and even other countries. Using these services farmers could receive funds to invest in agricultural financial transactions. This study examines the factors that influence use of MMT services among farm households in Kenya. It also assesses the factors conditioning the intensity of use of such services. The study finds 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, 2012. "Determinants of Use and Intensity of Use of Mobile Phone-based Money Transfer Services in Smallholder Agriculture: Case of Kenya," 2012 Conference, August 18-24, 2012, Foz do Iguacu, Brazil 125739, International Association of Agricultural Economists.
    • Handle: RePEc:ags:iaae12:125739
    DOI: 10.22004/ag.econ.125739
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    Citations

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    Cited by:

    1. Conrad Murendo & Meike Wollni & Alan De Brauw & Nicholas Mugabi, 2018. "Social Network Effects on Mobile Money Adoption in Uganda," Journal of Development Studies, Taylor & Francis Journals, vol. 54(2), pages 327-342, February.
    2. Angelopulo, George, 2021. "A comparative measure of inclusive urbanisation in the cities of Africa," World Development Perspectives, Elsevier, vol. 22(C).
    3. 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.
    4. Murendo, Conrad & Wollni, Meike, 2016. "Mobile money and household food security in Uganda," GlobalFood Discussion Papers 229805, Georg-August-Universitaet Goettingen, GlobalFood, Department of Agricultural Economics and Rural Development.

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