Impact of Mobile Phone-Based Money Transfer Services in Agriculture: Evidence from Kenya
نویسندگان
چکیده
This study contributes to pioneering literature on the impact of mobile phone-based money transfer, especially in agriculture. It provides information regarding financial intermediation to the excluded through the use of new generation Information Communication Technology (ICT) tools, especially the mobile phone. The study employs propensity score matching technique to examine the impact of MMT services on household agricultural input use, agricultural commercialization and farm incomes among farm households in Kenya. It uses cross-sectional data collected from 379 multi-stage randomly selected households in three provinces of Kenya. The study found that use of mobile phone-based money transfer services significantly increased level of annual household input use by $42, household agricultural commercialization by 37% and household annual income by $224. We conclude that mobile phone-based money transfer services in rural areas help to resolve a market failure that farmers face; access to financial services. We discuss implications for policy and practice.
منابع مشابه
Awareness of Mobile Phone-Based Money Transfer Services in Agriculture by Smallholder Farmers in Kenya
Kirui, Oliver, K.; Okello, Julius, J.; Nyikal, Roselyne, A
متن کاملDeterminants of use and intensity of use of mobile phone-based money transfer services in smallholder agriculture: case of Kenya
Copyright 2012 by [authors]. All rights reserved. Readers may make verbatim copies of this document for non-commercial purposes by any means, provided that this copyright notice appears on all such copies.
متن کاملDoes Participation in Farmer Field School Extension Program Improve Crop Yields? Evidence from Smallholder Tea Production Systems in Kenya
Agricultural Extension services are among the most important rural services in developing countries. The services are considered to be a key driver of technological change and productivity growth in agriculture. In Kenya, like in the rest of the developing economies, agricultural extension has largely been delivered through supply–driven approaches. Due to perceived low impact of agricultural e...
متن کاملMobile Money for Financial Inclusion
M obile financial services are among the most promising mobile applications in the developing world. Mobile money could become a general platform that transforms entire economies, as it is adopted across commerce, health care, agriculture, and other sectors. To date, at least 110 money mobile systems have been deployed, with more than 40 million users. The most well-known system, M-PESA, starte...
متن کاملMobile Money as an Enabler for Entrepreneurship: Case Eastern Africa
Over the last 10 years, availability of mobile phones has increased dramatically, especially in the developing markets. At the same time, majority of the population living in developing countries are still lacking the access to official financial services. This gap has enabled an opportunity to mobile network operators and financial service providers to introduce mobile money transfer services ...
متن کامل