Implications for Poverty Reduction in Rural Households in Ghana: Economic Activities

The results also showed that the coefficient of acesmf is (0.397) showing a positive relationship with weekly consumption expenditure. This therefore indicates that beneficiaries of MFIs loans spend on the average 40% higher than non-beneficiaries of MFIs loans in the Upper East Region of Ghana holding all other factors constant. This means that benefiting from […]

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Implications for Poverty Reduction in Rural Households in Ghana: The Level of Education

Similarly, the number of sources of borrowing that the respondent can actually borrow from within the community when in need of a loan (lonsours) has a negative association with the probability of taking a loan from an MFI. Given the coefficient of lonsours as -0.331, then an increase in the number of sources one can […]

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Implications for Poverty Reduction in Rural Households in Ghana: Results of OLS estimation and Probit estimation

Table 2 shows the results of OLS estimate of equation. The dependent variable is lwkexpend2 which is the natural log of wkexpend. Thus lwkexpend2 measures the percentage of weekly expenditure on basic needs due to the independent variable(s). From the Table kasena, bwest, depend, oldsav, amtprof, age, Primary, JSS/Middle, Post secondary, numacty and acesmf all […]

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Implications for Poverty Reduction in Rural Households in Ghana: Results

The results and discussion on the estimated treatment effect model is presented in this section. This is preceded by a presentation of the descriptive statistics of the variables used for the empirical estimation. Table 1 shows the description of the variables used for the analysis. Age, depend and hhppl are a set of household characteristics […]

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Implications for Poverty Reduction in Rural Households in Ghana: Model Specification

Given the fact that there is potential selection bias and issues of endogeneity which have come about because MFIs choose communities in which they want to operate (to lend) deliberately (known as endogenous programme placement), and also because individuals themselves choose to borrow or not borrow (known as endogenous programme participation), those who are not […]

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Implications for Poverty Reduction in Rural Households in Ghana: Sampling Technique and Attribution

The study employed a quasi-experimental survey. Thus the data for the study was obtained from both beneficiaries (treatment group) and non-beneficiaries (control group) of MFI loans in 2011 through a random survey of 500 women engaged in agro-processing in the Upper East Region of Ghana of whom 250 were beneficiaries of microfinance while 250 were […]

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Implications for Poverty Reduction in Rural Households in Ghana: Microfinance Impact Studies

Microfinance is hailed by many as an important tool for poverty alleviation. This is so for a number of reasons. Microfinance allows poor people to protect, diversify, and increase their sources of income. Microfinance enables poor people to overcome their liquidity constraints and undertake some investment in a micro-enterprise or in improved farm technology and […]

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Implications for Poverty Reduction in Rural Households in Ghana: Introduction

The revolution in the Microfinance (MF) industry has created a development paradigm shift. This paradigm shift favours the use of MF as an important ingredient in improving the welfare of the poor particularly in developing countries. This has come about as a result of: the call by The 1997 Microfinance Summit for the mobilization of […]

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An Exploratory Study on the Adaptive Word-of-Mouth Communication in Seeker-initiated Context: Discussions and Conclusion

This research investigates the adaptive motivations of WOM communication in the seeker-initiated context. By applying the dyadic in-depth interviewing method, the author can directly examine the patterns of seeker-initiated WOM communication. Overall, the results of this study triggered us to reconsider WOM communication as a highly adaptive behavior. The senders adapted their recommendations according to […]

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An Exploratory Study on the Adaptive Word-of-Mouth Communication in Seeker-initiated Context: Product Focus

WOM communication occurs mainly among people in close relationships. An interviewee (sender) indicated that he recommended the product to his girlfriend because he can borrow the product from her. This type of motivation is viewed as egotism, and it differs from economic motivation. Rosen mentioned that spreading WOM information has its own economic benefit because […]

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