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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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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