The Impact of Digital Credit for Smallholder Farmers in Ghana

Smallholder Rice Farming Family-Northern Ghana

Much of the credit that is available for agriculture-related investment goes to input supply, trading, and agroprocessing-activities that are largely urban in location and typically not classified as ” agricultural loans”.

In Ghana, less that 2% of rural households had access to finance according to an agriculture census data funded by the World Bank and implemented by the Ghana Statistical Service in 2018. Further dis-aggregation showed that proportionally, larger farms had better access to finance than smallholder farms.

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