Determinants of agriculture credit fungibility among smallholder farmers: The case of rural Ghana

This study examined the determinants of rural household agriculture credit fungibility (CF). The found agricultural CF among farmers, with approximately 79% farmers involved in CF. Household financial burden was to be main cause studied farmers. Most fungible used for clothing and food consumption. A probit model employed analyze survey data collected from four regions Ghana. We an instrumental variable approach (IV-Probit) test robustness due endogeneity issues. econometric results show that variables off-farm income farm size inversely influenced CF, while those education, size, male farmer gender, chronic disease had a positive effect on Our findings have policy implications alleviating