Awareness and use of m-banking services in agriculture: The case of smallholder farmers in Kenya Report as inadecuate




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Smallholder farmer access to agricultural finance has been a major constraint to agriculturalcommercialization in developing countries. The ICT revolution in Africa has however brought anopportunity to ease this constraint. The mobile phone-based banking services that started inKenya urban centers have spread to rural areas and even other countries. Using these servicesfarmers could receive funds invest in agriculture finance transactions. This study examines theawareness and use of m-banking services among rural farmers in Kenya. It also assesses thefactors conditioning the use of such services. The study finds high awareness of m-bankingservices among the smallholder farmers. It also finds that education, distance to a commercialbank, membership to farmer organizations, distance to the m-banking agents, and endowmentwith physical and financial assets affect the use of m-banking services. It discusses theimplications of these findings for policy and practice.

Keywords: Mobile phones ; m-banking services ; awareness and use ; smallholder farmers ; Kenya

Subject(s): Financial Economics

Issue Date: 2010-09

Publication Type: Conference Paper/ Presentation

PURL Identifier: http://purl.umn.edu/96188 Page range: 17

Total Pages: 18

Record appears in: African Association of Agricultural Economists (AAAE) > 2010 AAAE Third Conference/AEASA 48th Conference, September 19-23, 2010, Cape Town, South Africa





Author: Kirui, Oliver K. ; Okello, Julius Juma ; Nyikal, Rose Adhiambo

Source: http://ageconsearch.umn.edu/record/96188?ln=en







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