Mensah, Emmanuel (2023) DETERMINANTS, PERCEPTION AND IMPACT OF MAIZE FARMERS FINANCIAL INCLUSION VIA MOBILE MONEY: A CASE STUDY OF THE DORMAA-AHENKRO MUNICIPALITY, GHANA. Masters thesis, Fakultas Peternakan dan Pertanian Universitas Diponegoro.

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Abstract

The study was conducted in the Dormaa Central with the main focus of maize farmers as my primary source for this project. The objective of the study was to access the determinant, Perception and impact of maize farmers’ financial inclusion via mobile money.
The study employed the use of descriptive statistics to describe the characteristics of the respondents, perception index and Propensity Score matching to evaluate the data surveyed from the sample size. Well-designed questionnaires will be used to collect the data in the study area stated in this study. After the validation of the data collected. There was a further process to analyse the data for a proper decision on the results through the SPSS and STATA. This research is a clear reflection of an economic assessment of the economy of Ghana. The study examined the perception of maize farmers regarding their financial inclusion through the utilization of mobile money services. The available data collected was analysed through the perception index by the SPSS. Data were collected through the primary data which 150 questionnaires were used and respondents’ responses were collected on the questionnaire administration. perception of the maize farmers was analysed and based on the series of questions through frequency, mean and percentages from the perception index, which came out that 47.3% were very familiar and 36.7% were familiar with mobile money as a financial inclusion which shows mobile money has become very important in the system and as financial inclusion in some African countries and Ghana as a whole. However, respondents stated the fact that they use mobile money for saving and paying bills with a percentage of 96%. To further conclude on the farmers' perception, it came out that 30.7% of respondents saw that using mobile money was very convenient. 52% said it was convenient. 9.3% were neutral. 4.7% said it was inconvenient and 3.3% said it was very inconvenient. The factors that influence maize farmers’ financial inclusion were also assessed through Binary logistic regression and it was seen that gender, marital status and farmers association was a factor in farmers using mobile money technology as a financial inclusion which was significant at 10%, 5% and 1%. Lastly, the impact of maize farmer’s financial inclusion through mobile money was also done by the propensity score matching with the treated and untreated groups which showed that maize farmers who adopted the use of mobile money were to save more compared to those who were not using it.

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