ADOPTION OF MICROFINANCE DIGITAL INNOVATION SERVICES IN THE AGRICULTURE SECTOR IN GHANA

Raymond Akantege, - (2023) ADOPTION OF MICROFINANCE DIGITAL INNOVATION SERVICES IN THE AGRICULTURE SECTOR IN GHANA. S3 thesis, Universitas Pendidikan Indonesia.

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Official URL: http://repository.upi.edu

Abstract

The study examines the effects of adopting microfinance digital innovation services in the agriculture sector in Ghana. The study specifically examines financial need of household farmer, socioeconomic factors on the intention and use of microfinance digital innovation services in the agriculture sector of Ghana, examine how the intention and use of digital innovation services services mediate the relationship between the financial need of household farmer, socioeconomic factors and benefits of microfinance services. The research employs a quantitative research method and focuses on smallholder farmers from four agriculture-dominated districts in the Ashanti Region: Ejura Sekyedumase, Sekyere East, Sekyere Central, and Amansie Central. The population of the study consists of 35,807 smallholder farmers from the selected districts. A sample size of 376 smallholder farmers is selected using stratified sampling techniques to ensure fair and scientifically representative data. Data collection is conducted through a questionnaire consisting of six parts. The findings provide robust evidence supporting the hypothesized relationships between financial need of household farmer, socio-economic factors, intention of microfinance digital innovation service, use of microfinance digital innovation service, and the outcomes of micro credit benefits, micro insurance benefits, and micro savings benefits. The study reveals the significance of intention of microfinance digital innovation service as a mediator in the relationships between financial need of household farmer, socio�economic factors, and the outcomes. Additionally, the combined mediation effect of intention of microfinance digital innovation service and use of microfinance digital innovation service is found to be significant in influencing the outcomes. Based on the results, policy recommendations are proposed for various stakeholders. Policymakers should prioritize initiatives aimed at addressing the financial needs of smallholder farmers, including the design of financial assistance programs, provision of affordable credit, and targeted financial literacy programs. Financial institutions and microfinance service providers should customize their offerings to cater to the specific financial needs of smallholder farmers, while also creating user-friendly digital platforms

Item Type: Thesis (S3)
Additional Information: ID Sinta Dosen Pembimbing: 5985049 AGUS RAHAYU 5994043 CHAIRUL FURQON
Uncontrolled Keywords: microfinance digital
Subjects: H Social Sciences > HB Economic Theory
Divisions: Fakultas Pendidikan Ekonomi dan Bisnis > S3 Manajemen
Depositing User: Raymond Akantege
Date Deposited: 16 Oct 2023 07:55
Last Modified: 16 Oct 2023 08:14
URI: http://repository.upi.edu/id/eprint/110880

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