아프리카ㆍ중동
연구정보
[정책] Digital financial services and livelihood diversification in rural Ghana
가나 국외연구자료 연구보고서 - Cogent Economics & Finance 발간일 : 2024-04-05 등록일 : 2024-04-16 원문링크
The emergence of digital financial systems, especially mobile money, has significantly changed the financial services space in sub-Saharan Africa in ways that promote financial inclusion among the poor, including those in rural communities. Focusing on mobile money, which is the main avenue for digital financial services for rural households in Ghana, this study investigates whether digital finance affects rural households’ livelihood diversification, using a nationally representative data on Ghana. Employing several econometric methods, including instrumental variable techniques to address potential endogeneity bias, the study finds mobile money to be positively associated with households’ choice of non-farm business as a livelihood option as well as their engagement in livestock production. However, we find a negative relationship between mobile money and diversification in crop production including the extent to which households engaged in the crop sector are able to diversify crop production. The implication is that when rural households have access to mobile money services, they produce fewer number of different crops while exploring non-farm activities and livestock production as additional livelihood options. The results underscore the need to address constraints that limit rural households’ access to digital financial tools, especially mobile money, in Ghana and in similar developing country contexts.
본 페이지에 등재된 자료는 운영기관(KIEP) 및 EMERiCs의 공식적인 입장을 대변하고 있지 않습니다.
| 이전글 | [정책] Zambia - Country Strategy Paper 2024-2029 | 2024-04-16 |
|---|---|---|
| 다음글 | [사회] Commentary on ‘The Racial Wealth Gap in South Africa and the United States’... | 2024-04-16 |
