Download or read book The Impact of Credit Facilities Given by Rural and Community Banks to Farmers A Special Reference to Ghana written by Kenneth Amoah-Binfoh and published by . This book was released on 2014 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt: Rural Banking in third world countries is new off-springs from the banking industries whose contributions cannot be over emphasized. This stems from the fact that they have helped in alleviating the poverty menace in third world countries such as Ghana. Most rural banks in spite of their contribution towards helping prospective Ghanaian investors in establishing their own businesses are saddled with a number of objectives, to identify the types of credit facilities, to examine the factors working against the operations of the credit facilities; to evaluate the performance of banks. A number of rural banks in Ghana have been operating outside the confinements of the laws regulating banking and financial institutions. The researcher aimed at collecting data, both primary and secondary using a number of research techniques and methods. Notable among the methods may include: structured questionnaires and structured interview. It was recommended that the research findings would be used to identify risk areas in rural banking and as well as collaterals should worth in value more than the facilities provided by obligors, more importantly the findings of the research shown that multiple borrowing have effect on the profit of rural banks. The research was used as a secondary data for further research work for other researchers. It was concluded that Ghanaians benefited from the activities of rural banks, the researcher entreats all stakeholders in the banking industry who may have a role to play in making the research work a reality, to contribute their quota to the effective writing of this paper.

Download or read book Rural banking The case of rural and community banks in Ghana written by and published by Intl Food Policy Res Inst. This book was released on 2010 with total page 2 pages. Available in PDF, EPUB and Kindle. Book excerpt: Before the late 1970s, rural dwellers in Ghana had almost no access to institutional credit for farm and nonfarm activities, and in many rural communities, secure, safe, and convenient savings and payment facilities hardly existed. In response to this situation, the Government of Ghana took several measures to increase access to credit in rural areas, including facilitating the establishment of rural and community banks (RCBs). This brief discusses the history of RCBs, their business model, their services, and their financial performance. It then draws some lessons relevant for others involved in or planning similar initiatives.

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 Innovations in rural and agriculture finance written by Kloeppinger-Todd, Renate and published by Intl Food Policy Res Inst. This book was released on 2010-07-21 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Everywhere in the world, small agricultural producers are entrepreneurs, traders, investors, and consumers, all rolled into one. In all these roles, small agricultural households constantly seek to use available financial instruments to improve their productivity and secure the best possible consumption and investment choices for their families. But the package of financial services available to small farmers in developing countries is severely limited, especially for those living in remote areas with no access to basic market infrastructure. When poor people have limited saving or borrowing options, their investment plans are stifled and it becomes harder for them to break out of poverty. If households have no access to insurance and are unable to accumulate small savings that enable them to pay for household and business expenses, especially during lean seasons, they are forced to limit their exposure to risk, even if high returns are expected, once again making the pathway out of poverty more arduous than necessary. Inadequate access to financial services is thus part of what is often called the “poverty trap.”

Download or read book Harnessing the Power of Savings and Lending Communities to Drive Agroenterprise Development in Ghana written by Catholic Relief Services and published by Catholic Relief Services. This book was released on 2011-06-15 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Role and Impact of Agricultural Credit on Small Farm Development with Special Reference to the Ashanti Region of Ghana written by King A. Salami and published by . This book was released on 1984 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 The Grain Banking Model written by Anna Wolff and published by GRIN Verlag. This book was released on 2010-04 with total page 105 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 financ

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 Some Problems of Investment and Innovation Confronting the Ghanaian Food Crop Farmer written by C. K. Brown and published by . This book was released on 1972 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: Study of the problems of and obstacles to the promotion of Innovation and entrepreneurship in agriculture in Ghana, with special reference to the availability and use of credit facilities and agricultural extension services to food crop farmers - suggests means of overcoming these problems and improving productivity, and analyses the findings of an interview survey. References and statistical tables.

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 Taylor & Francis. This book was released on 2021-11-28 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: Originally published in 1985, twenty-three chapters are brought together in 4 parts dealing with, respectively, problems in rural finance, interest rate policies, politics and finance, and new directions for rural financial markets. In an introduction it is argued that cheap and abundant credit is often regarded as essential for rural development but that actions taken on the basis of this assumption have given disappointing results. Low-interest policies and the improper use of financial markets are seen as the principal reasons for this. It is recommended that higher and more flexible interest rates are allowed and that little or no attention is given to target loans. Informal lenders are thought to offer valuable services therefore they should not be discouraged. More emphasis should be put on voluntary savings mobilization and access to formal loans by non-farm rural firms. It is concluded that many traditional agricultural credit programmes are counterproductive and that attractive product and input prices together with higher yields would be more powerful in stimulating agricultural development.

Download or read book The Impact of the 1996 Drought on Oklahoma Banks and Borrowers written by United States. Congress. House. Committee on Banking and Financial Services and published by . This book was released on 1996 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Distributed to some depository libraries in microfiche.

Download or read book Rural Credit in Ghana written by Comfort Offei and published by . This book was released on 1965 with total page 194 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Review of Institutional Agricultural Credit in Ghana with Special Reference to Loan Repayment Problems written by Wayne O'Neil Yerby and published by . This book was released on 1977 with total page 190 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 Afro Asian Journal of Rural Development written by and published by . This book was released on 2000 with total page 648 pages. Available in PDF, EPUB and Kindle. Book excerpt: