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Factors Affecting Loan Repayment Performance Among Yam Farmers in the Sene District, Ghana
Open accessAbstract
The study analyzed the factors that are critical in improving loan repayment by yam farmers in the Sene district of Ghana. Random sampling technique was used to select 100 respondents in the district and structured questionnaire was administered to collect data. Descriptive statistics and the probit model were employed. The results show that 42% of yam farmers in Sene district are illiterates. More males (93%) are involved in yam farming than females (7%) and most of the farmers are married (91%). Also most of the yam farmers in the district have a family size of 6-10 households (66%) and 54% of them have 1-10 years of yam farming experience. Also, the results show that education, experience, profit, age, supervision and off-farm income have positive effects on loan repayment performance. Conversely, gender and marriage have negative effects on loan repayment while the effect of household size was found to be ambiguous.
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“Similar findings by Wongnaa and Awunyo-Vitor (2013) show that older farmers in Ghana repay more reliably”
From Drivers of willingness to repay Parish Revolving funds (PRF) under Uganda’s Parish Development Model: a Bayesian Latent Class Logistic Regression (LCLR) approach (2026) · cites this paper as Wongnaa and Awunyo-Vitor (2013)
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Metadata
- Authors
- Wongnaa, C. A., Awunyo-Vitor, D., Wongnaa, C. A., & Awunyo-Vitor, D.
- Venue
- Unknown
- Publisher
- Unknown
- Published
- 2013
- Volume
- 5
- Issue
- 2
- Pages
- 111-122
- OpenAlex
- W1910102113
- Cited by
- 61
- References
- 15
- Citations by year
- 2025: 1 · 2024: 4 · 2023: 6 · 2022: 11 · 2021: 6 · 2020: 3 · 2019: 7 · 2018: 4 · 2017: 3 · 2016: 7 · 2015: 4 · 2014: 5
- FWCI
- 12.52
- Type
- journal article
- Language
- en
- Open access
- green
- ageconsearch.umn.edu
- Locations
- RePEc: Research Papers in Economics (submittedVersion)
- AgEcon Search (University of Minnesota, USA) (submittedVersion)
- Agris on-line Papers in Economics and Informatics (submittedVersion)
- AgEcon Search (University of Minnesota, USA)
- Topics
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Microfinance and Financial Inclusion
- Life Sciences › Agricultural and Biological Sciences › General Agricultural and Biological Sciences › Agricultural Innovations and Practices
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Agricultural risk and resilience
- Keywords
- loan repayment, agricultural credit, farmer characteristics, farmer education, farming experience, off-farm income, household size
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