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Does Access and Use OF Financial Service Smoothen Household Food Consumption?

  • Annim, Samuel Kobina
  • Dasmani, Isaac
  • Armah, Mark

The study relies on Ghana’s Living Standard Measurement Survey to test the hypothesis of no relationship between credit and household food consumption expenditure. We use single stage and pooled least squares given the non-availability of national panel data in Ghana and lack of better instruments in the Living Standard data. While cognisant of the adverse effect of endogeneity we observe that our finding fails to provide enough evidence to reject the null hypothesis. This suggests that access to credit does not contribute to the smoothening of household consumption. This observation cuts across different sub-samples based on socio-economic classification. We recommend caution in propagating the ability of credit in smoothening consumption.

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File URL: http://mpra.ub.uni-muenchen.de/29278/1/MPRA_paper_29278.pdf
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Paper provided by University Library of Munich, Germany in its series MPRA Paper with number 29278.

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Date of creation: 2011
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Handle: RePEc:pra:mprapa:29278
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  1. Stijn Claessens, 2006. "Access to Financial Services: A Review of the Issues and Public Policy Objectives," World Bank Research Observer, World Bank Group, vol. 21(2), pages 207-240.
  2. von Braun, Joachim, 2008. "Rising food prices: What should be done?," Policy briefs 1, International Food Policy Research Institute (IFPRI).
  3. Kochar, Anjini, 1995. "Explaining Household Vulnerability to Idiosyncratic Income Shocks," American Economic Review, American Economic Association, vol. 85(2), pages 159-64, May.
  4. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
  5. Strauss, John, 1984. "Joint determination of food consumption and production in rural Sierra Leone : Estimates of a household-firm model," Journal of Development Economics, Elsevier, vol. 14(1), pages 77-103.
  6. Lucas, Robert Jr, 1976. "Econometric policy evaluation: A critique," Carnegie-Rochester Conference Series on Public Policy, Elsevier, vol. 1(1), pages 19-46, January.
  7. Morduch, Jonathan, 2002. "Consumption Smoothing Across Space: Testing Theories of Risk-Sharing in the ICRISAT Study Region of South India," Working Paper Series UNU-WIDER Research Paper , World Institute for Development Economic Research (UNU-WIDER).
  8. Strauss, John, 1982. "Determinants of food consumption in rural Sierra Leone : Application of the quadratic expenditure system to the consumption-leisure component of a household-firm model," Journal of Development Economics, Elsevier, vol. 11(3), pages 327-353, December.
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