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首页> 外文期刊>Agricultural Finance Review >Measuring usage of formal financial services as a proxy for financial inclusionA case of agricultural households in Ghana
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Measuring usage of formal financial services as a proxy for financial inclusionA case of agricultural households in Ghana

机译：衡量正式金融服务的用法作为加纳农业家庭农业家庭金融包合物案例的代理

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Purpose - Financial inclusion is an issue of importance and increasing concern worldwide, particularly to policymakers across Africa and the rest of the developing world. The purpose of this paper is to investigate the level of usage of formal financial services among Ghanaian agricultural households as well as factors influencing these levels.Design/methodology/approach - Financial inclusion indicators associated with the usage of formal financial services are selected from the 2017 Ghana Living Standard Survey. Using these indicators, an index measuring the level of usage of formal financialservices is developed. A multinomial logistic regression model is implemented to analyze the possible effect that farm and household characteristics have on index measures. Findings - Usage of formal financial services is very low among agricultural households, with many households using no financial products or services. Household expenditure, education, religion, geographic location, and the use of informal financial services were found to be consistent factors impacting household financial inclusionlevels.Practical implications - Findings may assist policymakers in designing policy schemes aimed at improving access to and usage of financial services for Ghanaian agricultural households. This may lead to a more inclusive financial system with the potentialto improve the livelihood of agricultural households and contribute to Ghana's overall economic development.Originality/value - A household-level index measuring usage of formal financial services was developed and characteristics influencing said index measures were examined, providing a more holistic view and understanding of factors influencing usage decisions.
机译：目的 - 金融包容是一个重要的重要性和全世界越来越多的问题，特别是非洲的政策制定者以及发展中国家的其他地方。本文的目的是调查加纳农业家庭的正式金融服务的使用水平，以及影响这些水平的因素。从2017年选出了与使用正式金融服务的使用相关的金融包容指标加纳生活标准调查。使用这些指标，开发了一种测量正式金融服务使用水平的指标。实施多项逻辑回归模型，以分析农场和家庭特征对指标措施的可能影响。调查结果 - 农业家庭中正式金融服务的用法非常低，众多家庭不含金融产品或服务。家庭支出，教育，宗教，地理位置和非正式金融服务的使用是影响家庭金融全能的一致因素。正式意义 - 调查结果可以协助政策制定者设计旨在改善金融服务获取和使用的政策计划加纳农业家庭。这可能导致更具包容性的金融体系，可能会提高农业家庭的生计，并为加纳的整体经济发展做出贡献。民间/价值 - 制定了正规金融服务的衡量使用和影响指数措施的特点审查，提供更全面的观点和对影响使用决策的因素的理解。

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