CAN INDEX INSURANCE IMPROVE CREDIT ACCESS AMONG SMALLHODLER FARMERS IN GHANA? DOES IT DIFFER OVER MALE AND FEMALE FARMERS?

Khushbu Mishra, Richard Gallenstein, Mario Miranda (), Abdoul G Sam and Patricia Toledo

No 239853, 2016 Annual Meeting, July 31-August 2, Boston, Massachusetts from Agricultural and Applied Economics Association

Abstract: The majority of the world’s poor live in rural areas and rely on agriculture for their income. Therefore, increasing agricultural efficiency via technology adoption is critical to reducing poverty in developing agrarian economies such as those in Sub-Saharan Africa (SSA). Despite its apparent advantages, SSA has one of the lowest adoption rates. Accordingly, the objective of this paper is to investigate if the availability of meso-and micro-level insurance encourages access to credit by relaxing demand side and supply side constraints. We further disaggregate the effects by gender of the farmer to see if any differential impacts exist over female versus male farmers. Using a randomized control trial and difference-in-difference estimation, we find that availability of meso-level insurance, when the banks are the policy holders, increases the likelihood of agricultural loan approvals for smallholder farmers. Gender level analysis shows that the likelihood increases for both female and male farmers.

Keywords: Food Security and Poverty; International Development; Research and Development/Tech Change/Emerging Technologies; Risk and Uncertainty (search for similar items in EconPapers)
Pages: 28
Date: 2016
New Economics Papers: this item is included in nep-agr, nep-dev, nep-ias and nep-mfd
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

Downloads: (external link)
https://ageconsearch.umn.edu/record/239853/files/AAEA2016_Mishra%20et%20al..pdf (application/pdf)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:ags:aaea16:239853

DOI: 10.22004/ag.econ.239853

Access Statistics for this paper

More papers in 2016 Annual Meeting, July 31-August 2, Boston, Massachusetts from Agricultural and Applied Economics Association Contact information at EDIRC.
Bibliographic data for series maintained by AgEcon Search ().