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Village savings and loans association participation and impact on off-farm income among rural women

Richard Kwasi Bannor (Department of Agricultural Economics, Agribusiness and Extension, University of Energy and Natural Resources, Sunyani, Ghana)
Helena Oppong-Kyeremeh (Department of Agricultural Economics, Agribusiness and Extension, University of Energy and Natural Resources, Sunyani, Ghana)
Mercy Derkyi (Department of Forest Science, University of Energy and Natural Resources, Sunyani, Ghana)
Albert Yingura Adombila (Trias Ghana Burkina-Faso, Bolgatanga, Ghana)
Ernest Christlieb Amrago (Department of Agricultural Economics, Agribusiness and Extension, University of Energy and Natural Resources, Sunyani, Ghana)

Journal of Enterprising Communities: People and Places in the Global Economy

ISSN: 1750-6204

Article publication date: 5 August 2020

Issue publication date: 19 August 2020

Abstract

Purpose

This paper aims to examine the factors that influence rural women’s participation in Village Savings and Loans Association (VSLA) and the savings contribution in the Kassena-Nankana West District of Ghana. The study also analysed the impact of VSLA participation on off-farm income and on poverty.

Design/methodology/approach

In total, 120 rural women were selected for this study. The probit and heteroskedasticity linear regression models were used to examine the factors that influence VSLA participation and the savings made by members, respectively. The propensity score matching technique, coupled with Rosenbaum Sensitivity analysis, were used to analyse the impact of VSLA on off-farm income and poverty.

Findings

Demographic and livelihood factors such as human, natural, financial, physical and social capitals have different influences on the participation and the savings contribution in the VSLA. Moreover, VSLA has a significant impact on off-farm income; however, it did not affect poverty.

Originality/value

Despite the numerous studies on VSLA, there is little evidence of literature of its impact on off-farm income of rural women in West Africa, specifically, Ghana. Thus, this paper expands the frontiers of the existing literature on VSLA impact assessment and the factors that influence the savings made by women in the association.

Keywords

Acknowledgements

The authors are profoundly grateful to the women of VSLA groups who spent time to answer our questionnaires and availed themselves willingly for the focus group discussions during this study. They also express our heartfelt appreciation to Ms Wilhemina Kwabeng Owusu for her proofreading of the draft manuscript and Mr Austin Asare for developing the Map (Figure 1).

Citation

Bannor, R.K., Oppong-Kyeremeh, H., Derkyi, M., Adombila, A.Y. and Amrago, E.C. (2020), "Village savings and loans association participation and impact on off-farm income among rural women", Journal of Enterprising Communities: People and Places in the Global Economy, Vol. 14 No. 4, pp. 539-562. https://doi.org/10.1108/JEC-04-2020-0058

Publisher

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Emerald Publishing Limited

Copyright © 2020, Emerald Publishing Limited