期刊
AGRICULTURAL ECONOMICS
卷 -, 期 -, 页码 -出版社
WILEY
DOI: 10.1111/agec.12806
关键词
Africa; Ghana; index insurance; joint liability; technology adoption
The adoption of advanced agricultural technologies remains low in Sub-Saharan Africa, particularly among poor smallholders. Bundling joint liability loans with index insurance can increase the adoption of fertilizers.
The adoption of advanced agricultural technologies in Sub-Saharan Africa remains disappointingly low, particularly among the millions of poor smallholders who account for most of the agricultural production. We conducted a randomized control trial in Ghana to assess the impact of easing drought-risk constraints in the agricultural credit market, by bundling joint liability agricultural loans with index insurance, on smallholder farmers' agricultural technology adoption decisions. In the micro-insurance treatment, any index insurance payouts go directly to farmers, while in the meso-insurance treatment, payouts are issued to banks to be used to expunge farmers' debts. We find evidence that bundling joint liability lending with micro-insurance increases adoption of fertilizer.
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