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

Samuel Annim, Isaac Dasmani and Mark Armah

MPRA Paper from University Library of Munich, Germany

Abstract: 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.

Keywords: FINANCE; HOUSEHOLD; CONSUMPTION; INCOME (search for similar items in EconPapers)
JEL-codes: G21 I30 (search for similar items in EconPapers)
Date: 2011
New Economics Papers: this item is included in nep-afr, nep-agr and nep-mfd
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (7)

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