Effect of Information and Communication Technologies on Agricultural Credit in sub-Saharan Africa

Yapo Assi (), Kouakou Yao (), Kolotioloman Soro () and Simplice Asongu
Additional contact information
Yapo Assi: Abidjan, Côte d’Ivoire
Kouakou Yao: Korhogo, Cote d’Ivoire
Kolotioloman Soro: sorokolotioloman@gmail.com

No 26/012, Working Papers from European Xtramile Centre of African Studies (EXCAS)

Abstract: This article aims to analyze the effect of Information and Communication Technologies (ICTs) on agricultural credit in sub-Saharan Africa between 2015 and 2023, in a context of recurring insufficiency of agricultural financing. Based on the Vector Error Correction (VEC) model applied to a panel of 30 countries, the study highlights short and long-term relationships between ICTs, the institutional framework and agricultural credit. The results indicate that mobile money and mobile phones have a positive and significant long-term effect by promoting access to the financial sector and information in rural areas. The effect of the internet was slower, signifying its low connectivity to agricultural services. Political stability as well as the quality of regulation negatively affect agricultural credit in the short and long terms. Low institutional predictability can cause dysfunction in rural financial markets. The article recommends strengthening digital financial inclusion and improving the governance of agricultural financial systems. The study complements the extant literature by assessing the effect of information technology on agricultural credit in sub-Saharan Africa.

Keywords: Information and Communication Technologies; Agricultural Credit; Vector Error Correction Model; Technological Revolution; Sub-Saharan Africa (search for similar items in EconPapers)
Pages: 24 pages
Date: 2026-01
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http://publications.excas.org/RePEc/exs/exs-wpaper ... b-Saharan-Africa.pdf Revised version, 2026 (application/pdf)

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Working Paper: Effect of Information and Communication Technologies on Agricultural Credit in sub-Saharan Africa (2026)
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