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.

    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

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