Download or read book Analysis of Rural Credit Policies in Ghana written by Emanuel Plange and published by . This book was released on 1989 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Agricultural Credit Delivery by the Agricultural Development Bank Ghana written by Polycarp Kwame Akobeng and published by . This book was released on 2000 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The grain banking model written by Anna Wolff and published by GRIN Verlag. This book was released on 2010-04-06 with total page 102 pages. Available in PDF, EPUB and Kindle. Book excerpt: Diploma Thesis from the year 2006 in the subject Economics - Case Scenarios, grade: 1,3, European University Viadrina Frankfurt (Oder) (Europa-Universität Viadrina / Reims Management School), language: English, abstract: The rural sector in development countries is characterized by high covariant risk, high client dispersion and lack of suitable collateral. These problems lead to high information asymmetry within the agricultural lending process. Because information is incomplete agricultural lending is costly. Consequently many micro finance institutions (MFIs) have concentrated their branches and activities in urban areas. Therefore scepticism is growing about their role in mobilising rural savings and offering rural lending services. Financial cooperatives demanding compulsory savings and enforcing group lending schemes are able to reduce information asymmetry and hence transaction costs of agricultural lending. Since the financial cooperative follows a minimalist approach, it does not offer non-financial services such as storage facilities, training in farming techniques or the treatment of agricultural produce. In order to enhance clients’ ability to utilize credit, and thereby to improve their repayment rates, an MFI should follow the integrated approach. The MFI with an integrated approach offers credit combined with non-financial services. The grain bank is seen as a financial institution which links products and services of the financial cooperative with those of the integrated approach. The grain bank replaces physical cash with grains and farm inputs. Six main products are offered by the grain bank: savings in grain, input credit, inventory credit, household food security loan, storage services and training services. Further the grain bank provides access to input and output markets otherwise not available for the farmer. The Ghanaian “Centre for Agriculture and Rural Development” (CARD) is such a grain bank. The results show that CARD has a better financial sustainability than other Ghanaian MFIs not operating as a grain bank. Although the study reveals that the outreach of CARD is not as encouraging as assumed, the clients seem to be satisfied with the services received by CARD. At the same time the results of the econometric analysis indicate that the provision of credit supplied by CARD increases farmer’s output with potential effects on income.
Download or read book The impact of the International Food Policy Research Institute s research program on rural finance policies for food security for the poor written by Alwang, Jeffrey and published by Intl Food Policy Res Inst. This book was released on 2002-12-23 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt: This study examines the contributions of the International Food Policy Research Institute (IFPRI) between 1993 and 2001 to analysis, outreach, capacity building, and training related to the role of rural finance in poverty reduction. The IFPRI multicountry research project on Rural Finance Policies for Food Security for the Poor involved data-intensive research by more than 14 research fellows on the impacts of access to rural financial services in countries. This report examines the contribution of the program within four countries where microfinance research and outreach activities were conducted and its contribution to global knowledge about rural finance and food security....It addresses issues of critical importance: (1) does microfinance have an impact on the poor, and is this impact achieved through better risk management as well as increased income generation?, (2) does the structure of financial service providers matter in supporting this impact?, and (3) how can the microfinance industry be made more sustainable?.... Malawi, Bangladesh, Ghana and Nepal were selected for analysis of research impacts." -- taken from Authors' Abstract.
Download or read book Agricultural Sector Financing written by Bank of Ghana. Research Department and published by . This book was released on 2005 with total page 44 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Improving Access to Credit for Rural Women in Ghana written by Mary Anglow and published by . This book was released on 1993 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Dynamics of Rural Credit and Its Impacts on Agricultural Productivity written by Gideon Baffoe and published by . This book was released on 2014 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rural households in developing countries continue to have limited access to credit although credit is thought to play a vital role not only in agricultural activities but also in poverty reduction through improving the economic and social wellbeing of the people. Existing studies on rural credit do not allow us to clearly understand the relationship between agricultural production and credit. The main objective of this study is to investigate the relationship between access to credit and agricultural productivity using Ghana as a case study. Data were collected with structured questionnaire from 109 farm households who were categorised into borrowed and non-borrowed households. The results revealed that 66% of the sampled households (109) do not have access to credit. Non-borrowed households on average spend more (GHc675.6) on variable inputs than borrowed households (GHc652.6). However, the yield productivity (cassava, maize and yam) of borrowed households is larger than that of non-borrowed households and the difference is statistically significant at 5% confidence level. Average profit of borrowed households (GHc468.14) is also larger and statistically different from that of non-borrowed households (GHc323.48). The main factor that distinguishes borrowed households from non-borrowed households is livelihood diversification. The reason is that financial institutions prefer given credit to diversified households because of their ability to spread risk across a number of income generating activities. Results of the study imply that for a household to access credit, they must first improve agricultural productivity and this can be achieved by crop diversification. Access to credit will then help the household to diversify the livelihood more and diversification further, will allow such to have access to more credit. We argue that borrowed households with diversified livelihood have the potential to reduce vulnerability and enhance resilience even though using credit for non-farm activities is seen as risk taking strategy. We conclude by proposing an innovative development transitional model with the potential to increase productivity and enhance resilience.
Download or read book Rural Credit written by K. P. Padmanabhan and published by Springer Series, Focus on Wome. This book was released on 1988 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt: What is - and what should be - the role of rural credit in developing countries? The author steers the reader though this discussion and towards sound practical conclusions, using examples from India, Brazil, Cameroon, Malawi and the Philippines.
Download or read book Undermining Rural Development With Cheap Credit written by Dale W Adams and published by Westview Press. This book was released on 1984-09-13 with total page 342 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conference papers on effect of agricultural credit and rural area financial markets on rural development in developing countries - includes case studies; examines problems with moneylenders; looks at interest rate policies, credit costs and soundness of cheap credit; analyses relationships between politics and financing, incl. The subsidyzing of credit; suggests alternatives such as informal savings mobilisation, credit for rural industries, etc. Graphs, references and statistical tables. Conference held in Washington 1981.
Download or read book From Agriscience to Agribusiness written by Nicholas Kalaitzandonakes and published by Springer. This book was released on 2017-11-21 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume presents a state-of-the-art overview of the rapidly evolving field of agribusiness, highlighting the most current issues, concepts, trends and themes in research, practice and policy. With a particular emphasis on technology, product and process innovation, the authors cover a wide array of topics relating to such issues as research and development, technology transfer and patents and licensing, with particular respect to the roles of academic institutions, private organizations and public agencies in generating and disseminating knowledge. Featuring case studies of innovative initiatives across the industry, this book will appeal to researchers, business leaders, university administrators and policymakers concerned with the multi-faceted implications of this dynamic and controversial sector.
Download or read book Study of Agricultural Credit in Ghana written by Elizabeth R. Alifo tettey and published by . This book was released on with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Financial Sector Reforms and Bank Performance in Ghana written by T. O. Antwi-Asare and published by . This book was released on 2000 with total page 136 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Rural Financial Markets in Developing Countries written by Von Pischke, J. D. and published by Johns Hopkins University Press. This book was released on 1983 with total page 464 pages. Available in PDF, EPUB and Kindle. Book excerpt: Until recently the use of agricultural credit as a developmental tool seemed clear and straightforward. Most concerned people believed that increases in the volume of cheap credit were necessary to boost agricultural production, and that the rural poor could be brought into the mainstream of development through supervised credit programs. It seemed that certain ideal types of rural credit institutions offered the promise of meeting farmers' credit needs, and that experience in the industrialized countries with cooperatives and specialized agricultural finance institutions could be effectively transplanted to low-income countries. This collection of readings highlights facets of rural financial markets that have often been neglected in discussions of agricultural credit in developing countries. It moves beyond a narrow concern with the simple provision of credit to a broad consideration of the performance of rural financial markets and of ways to improve the quality and range of financial services for low-income farmers. It reflects new thinking on the design, administration, evaluation and policy framework of rural finance and credit programs in developing countries.
Download or read book Rural District Planning in Ghana written by George Botchie and published by IIED. This book was released on 2000 with total page 83 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Agricultural Finance written by Charles B. Moss and published by Routledge. This book was released on 2013-04-17 with total page 325 pages. Available in PDF, EPUB and Kindle. Book excerpt: This textbook integrates financial economics and management in the area of agricultural finance. The presentation of financial economics discusses how the credit needs of farmer/borrowers are met by depositors through commercial banks. The financial management content presents methods used to make farm financial decisions including farm accounting, capital budgeting, and the analysis of risk. The textbook begins by developing the farm financial market focusing primarily on the market for debt. Next, the textbook presents an overview of accounting concepts important for the credit market. The accounting section provides a detailed discussion of the Farm Financial Standards Council’s suggestions for agricultural financial statements. Following the financial accounting, the book presents the use of ratio analysis applied to the farm firm. Next, the text describes capital budgeting followed by an introduction to risk analysis. Finally, the book presents the effect of debt decisions on the farm firm. In addition to the primary topics, the textbook includes a discussion of agricultural banking and monetary policy and an analysis of the choice of historical cost and market valued accounting methodologies on the farm debt decision.
Download or read book Rural Finance for Food Security for the Poor written by Manfred Zeller and published by Intl Food Policy Res Inst. This book was released on 1997-01-01 with total page 146 pages. Available in PDF, EPUB and Kindle. Book excerpt: A broader role for rural finance for food security. The saving and borrowing behavior of the food-insecure poor. Innovative rural finance for the poor: a food security perspective. Conclusions for research and policy.
Download or read book Microfinance Handbook written by Joanna Ledgerwood and published by World Bank Publications. This book was released on 1998-12-01 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of the 'Microfinance Handbook' is to bring together in a single source guiding principles and tools that will promote sustainable microfinance and create viable institutions.
