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Factors Influencing the Decision to Participate in Micro-credit Programme: An Illustration for Northern Ghana
Ghana Journal of Development Studies
View Archive Info| Field | Value | |
| Title |
Factors Influencing the Decision to Participate in Micro-credit Programme: An Illustration for Northern Ghana
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| Creator |
Ayamga, M; Department of Agricultural Economics and Extension, University of Development Studies, Nyanpkala Campus, Ghana
Sarpong, D B Asuming-Brempong, S |
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| Subject |
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Micro-credit, Households, Northern Ghana, Logit model, Risk Aversion — |
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| Description |
In recent times, governments of several developing countries have been promoting micro-credit as a means for increasing investment in the livelihood activities of the poor and capital-constrained so as to raise their levels of income. This is premised on the assumption that poor people living mainly in rural areas will participate in micro-credit schemes once they are provided the opportunity. However, studies find that, in several instances, rural households refuse to borrow. This study uses the logit model to assess factors influencing the decision to participate in micro-credit schemes in Northern Ghana. The study revealed that age, value of farm output, non-farm income, number of micro-credit institutions, level of education and distance of micro-credit institutions from borrowing households influence individuals' decision to participate in micro-credit schemes. The study concludes that households will join credit programmes if there is the potential to increase gains from their farm enterprises Keywords: Micro-credit, Households, Northern Ghana, Logit model, Risk AversionGhana Journal of Development Studies Vol. 3 (2) 2006: pp. 57-65
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| Publisher |
Faculty of Integrated Development Studies, University for Development Studies, Ghana
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| Contributor |
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| Date |
2007-05-29
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| Type |
info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion Peer-reviewed Article — |
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| Format |
application/pdf
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| Identifier |
https://www.ajol.info/index.php/gjds/article/view/35043
10.4314/gjds.v3i2.35043 |
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| Source |
Ghana Journal of Development Studies; Vol 3, No 2 (2006); 57-65
0855-6768 |
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| Language |
eng
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| Relation |
https://www.ajol.info/index.php/gjds/article/view/35043/24948
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| Rights |
© 2018 The authors.The Ghana Journal of Development Studies is published twice a year (May & October) by the Faculty of Integrated Development Studies as a service to development related research.No part of this publication may be reproduced, stored in a retrieval system or transmitted in any means; electronic, mechanical, photocopy, recording or otherwise, without the written authorisation of the publisher and copyright owner.The content is licensed uder a CC-BY license.
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