Financial service access and agriculture commercialization of smallholder rice growers in Kilombero District: The moderating role of institutional cultural cognitive

Francis William Mmari and Saganga Mussa Kapaya
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Francis William Mmari: Faculty of Business Management, Open University of Tanzania, Dar-es-salam, Tanzania
Saganga Mussa Kapaya: Senior lecturer and Head of Department, Faculty of Business Management, Open University of Tanzania, Dar-es-salaam, Tanzania

International Journal of Research in Business and Social Science (2147-4478), 2022, vol. 11, issue 8, 409-418

Abstract: The study was conducted in Tanzania to assess the effect of financial service access on the agricultural commercialization of smallholder rice growers in Kilombero under the moderating effect of institutional cultural cognition. Primary data were collected from 397 smallholder farmers, and after data cleaning, we remained with 358 responses subjected to regression analysis. Data were analyzed using hierarchical multiple regression analysis with the help of IBM SPSS software. The findings revealed that financial service access significantly positively affected commercialization. Also, the results confirm that institutional cultural cognition has a significant negative moderation effect on the relationship between financial inclusion and agriculture commercialization. The results suggest that reducing cultural cognition can increase financial service access. So, if the wrong perception and beliefs of the poor and marginalized society toward formal financial services can be reduced, then access to formal financial services will be increased, thus improving the level of agriculture commercialization. Also, we recommend that policymakers and the government set policies to reduce the cost of accessing financial services and enhance financial services availability. Key Words:Financial Service Access, Agricultural Commercialisation And Cultural Cognitive

Date: 2022
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