Awareness and use of m-banking services in agriculture: The case of smallholder farmers in Kenya

Oliver Kirui, Julius Juma Okello and Rose Adhiambo Nyikal

No 96188, 2010 AAAE Third Conference/AEASA 48th Conference, September 19-23, 2010, Cape Town, South Africa from African Association of Agricultural Economists (AAAE)

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 banking services that started in Kenya urban centers have spread to rural areas and even other countries. Using these services farmers could receive funds invest in agriculture finance transactions. This study examines the awareness and use of m-banking services among rural farmers in Kenya. It also assesses the factors conditioning the use of such services. The study finds high awareness of m-banking services among the smallholder farmers. It also finds that 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.

Keywords: Financial; Economics (search for similar items in EconPapers)
Pages: 18
Date: 2010-09
New Economics Papers: this item is included in nep-afr, nep-ban and nep-mfd
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Citations: View citations in EconPapers (3)

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Persistent link: https://EconPapers.repec.org/RePEc:ags:aaae10:96188

DOI: 10.22004/ag.econ.96188

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