The Effect Of Microfinance On Human Capital Development In Ghana: The Case Of Sinapi Aba Trust Microfinance Beneficiaries In Ashanti Region

Antoh, Ernestina Fredua; Mensah, John Victor; Edusah, S. E.

doi:10.18535/ijsshi/v2i8.03

Cited by 4 publications

(6 citation statements)

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“…The result of Table 7 shows that by using the four matching methods participation in OCSSCO had a positive and significant effect on average monthly expenditure on food, education, and health. The result is consistent with the study of Adjei et al (2009), Antoh et al (2015) and Nichols (2004) in which their findings show participation in microfinance increases expenditure on health and education. The ATT result shows that treated households had higher expenditure than non-treated households.…”

Section: Impact On Human Capitalsupporting

confidence: 93%

“…The findings of Habte (2016) reveal that participation in microfinance institutions has a significantly a higher average treatment effect on the treated (ATT) households. Similarly, Bhuiya et al (2016), Diro and Regasa (2014), Sida (2014), Antoh et al (2015) conducted a study on microfinance institutions, and their results show participation in microfinance institutions improve the livelihood of its beneficiaries.…”

Section: Introductionmentioning

confidence: 99%

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The Impact of Microfinance Institutions on the Livelihood of Rural Households: The Case of Oromia Credit and Saving Share Company in North Shewa Zone, Oromia Region, Ethiopia

Ayenew

Bekele

Ahmed³

2021

EJBSS

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The study investigates the impact of participation in microfinance institutions on the livelihood of rural households. The study was conducted in Oromia credit and saving share company in North Shewa Zone of Oromia regional state, Ethiopia. The study includes 392 sample respondents from different Woredas. The required data was gathered using questionnaires and interviews. The logit model was used to estimate the determinants of participation in the Oromia credit and saving Share Company. The logistic regression result shows that the age of household head, family size, land size, distance, market access, perception of mandatory deposit, and evaluation of first-round loan size are significant factors that affect participation in OCSSCO. The PSM model was used to investigate the impact of participation in OCSSCO on livelihood variables. According to the ATT result, OCSSCO participants had higher average monthly income, average monthly savings, total commodity asset value, total crop production value, average monthly food expenditure, average monthly education expenditure, and average monthly health expenditure than non-treated households. Thus, rural households should participate in OCSSCO to solve their financial problem. The concerned body should work more for the expansion of OCSSCO.

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Section: Impact On Human Capitalsupporting

confidence: 93%

Section: Introductionmentioning

confidence: 99%

The Impact of Microfinance Institutions on the Livelihood of Rural Households: The Case of Oromia Credit and Saving Share Company in North Shewa Zone, Oromia Region, Ethiopia

Ayenew

Bekele

Ahmed³

2021

EJBSS

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“…Krueger and Lindahl [31] observed that human capital development is a prerequisite for reducing poverty in the long run and occupies the prime place in production because without it other factors of production would not be developed. Antoh et al [40] indicate that microfinance services enable beneficiaries to expand their human capital assets and that microfinance services included education programmes that added up to enhancing beneficiaries outlook regarding the non-financial aspect of poverty reduction through awareness creation and sensitisation workshops. Adjei et al [36] contend that the overgeneralisation hinders evidence on microfinance effects on human capital development, thereby leading to the generally weak and inadequate research in human capital.…”

Section: Resultsmentioning

confidence: 99%

Effect of Micro-Agricultural Financial Institutions of South Africa financial services on livelihood capital of beneficiaries in North West Province South Africa

Oladele

Ward

2017

Agric & Food Secur

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Background: This paper examined the effect of Micro-Agricultural Financial Institutions of South Africa financial services on livelihood capital of beneficiaries in North West Province South Africa. A simple random sampling technique was used to select 280 respondents from a total of 344 beneficiaries. A structured questionnaire was used to collect data from November 2015 to March 2016, which was analysed using the Statistical Package for Social Sciences (SPSS) with frequencies, percentages and Wilcoxon signed-rank test. Results:The results of the study show that there has been a significant change on livelihood assets after MAFISA support. The proportion of access and ownership of livelihood assets increased for most of the indicators of the assets by at least 90% after MAFISA support. Wilcoxon signed-rank test results revealed that access to financial capital from banks improved substantially (Z scores = 15.556; p value = 0.000) and cooperatives (Z score = −11.305; p value = 0.000). Respondents are now able to associate and form some networks with others (Z score = −15.875; p value = 0.000), network with government (Z score = −15.811; p value = 0.000) and network with the private sector (Z score = −15.363; p value = 0.000). Conclusions:The study concludes that access to microfinance leads to significant changes in financial, social, natural, human, physical and social livelihood assets after MAFISA support. The proportion of access and ownership of livelihood assets increased for most of the indicators of the assets by at least 90% after MAFISA support. Statistical significant differences confirmed the changes in the proportion of beneficiaries before and after MAFISA support such as access to financial capital from banks improved substantially and cooperatives, networking with others, network with government and network with the private sector as well as increasing their skills and competencies as well as their physical asset accumulation.

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“…Conventionally, microfinance schemes have focused on providing credit to low income groups in diverse settings for income-generating activities (Antoh et al, 2014). However, microfinance schemes are diverse in form.…”

Section: Understanding Microfinance and Human Capital Developmentmentioning

confidence: 99%

“…Schemes typically differ by legal status and ownership (private, cooperative, hybrid), sources of funds (member contributions or not), scale of operations (local, national, international), type of financial services they provide (financial and non-financial services) among others (Matin, Hulme, & Rutherford, 1999). Diverse financial and non-financial services have been designed by microfinance institutions for raising human capital development and promoting sustainable development over the years (Antoh et al, 2014).…”

Section: Understanding Microfinance and Human Capital Developmentmentioning

confidence: 99%

Advancing Sustainable Development Goals (SDGs): An Analysis of How Non- Financial Services of Microfinance Insitutions Facilitate Human Capital Development of Clients in Ghana

Antoh¹,

Arhin²

2018

JSD

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In 2015, the United Nations General Assembly adopted the 2030 Agenda for Sustainable Development, together with seventeen goals that are collectively called the Sustainable Development Goals (SDGs). This study examined the effects of non-financial microfinance services on human capital development of clients and discusses its implications on the achievement of the Sustainable Development Goals. The case is drawn from Sinapi Aba Trust (SAT), which is a microfinance institution of Ghana. Primary data were collected from 361 clients in seven districts of the Ashanti Region, Ghana. The results of the ordinary least square (OLS) regression showed that non-financial services offered by SAT had positive significance on human capital development of the clients. This finding shows how additional services from microfinance institution could help clients to maximise the value of loans offered to support income-generating economic activities. For clients, the study also draws attention to the need for them to take non-financial services offered by microfinance institutions seriously to improve on their own human capital development in the context of the SDGs.

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The Effect Of Microfinance On Human Capital Development In Ghana: The Case Of Sinapi Aba Trust Microfinance Beneficiaries In Ashanti Region

Cited by 4 publications

References 0 publications

The Impact of Microfinance Institutions on the Livelihood of Rural Households: The Case of Oromia Credit and Saving Share Company in North Shewa Zone, Oromia Region, Ethiopia

The Impact of Microfinance Institutions on the Livelihood of Rural Households: The Case of Oromia Credit and Saving Share Company in North Shewa Zone, Oromia Region, Ethiopia

Effect of Micro-Agricultural Financial Institutions of South Africa financial services on livelihood capital of beneficiaries in North West Province South Africa

Advancing Sustainable Development Goals (SDGs): An Analysis of How Non- Financial Services of Microfinance Insitutions Facilitate Human Capital Development of Clients in Ghana

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