10 pages., he impact of mobile money services in sub-Saharan Africa have been largely recognised. However, empirical studies are principally lacking on the factors influencing the decision to own a mobile phone (first hurdle), register with mobile money (second hurdle) and the intensity of use of mobile money services (third hurdle). This study examined the determinants of the mobile phone ownership, drivers of registration (participation) of mobile money services, and the intensity of use of mobile money services in rural Ghana by employing the triple hurdle approach. The first and second hurdle were analysed using the logit model while quasi-poisson regression was used to analyse the third hurdle. The analysis from the cross-sectional data showed that the decision to own a mobile phone was driven by household size, marital status, the farm size, access to electricity, income status and the type of occupation engaged, whereas the decision to register with mobile money was influenced by the age, educational status, marital status, household size, farm size and the type of occupation engaged in by the household head. The intensity of usage of mobile money services was influenced by the age of the household head, higher educational level, marital status of the household head, household and farm size as well as the distance of the household heads from the mobile money agent which directly influences the intensity of use of mobile money services by household heads. The study recommends that strategies that promote access to electricity and occupation in the formal sector or both farming and trading in the rural communities should be promoted. Furthermore, policy attention should focus on location, farmers and farm characteristics.
12 pages, Development in Sub-Saharan Africa (SSA) is adversely affected by climate variability and change due to the dependence of its economies and livelihoods primarily on rain-fed agriculture. Agro-advisories boost informed decision-making as well as planning of farm activities. The purpose of this study was to characterize the pathways through which farmers receive usable location-specific agro-advisories as well as to evaluate the effect of the socio-economic environment in the access to such information. Data was collected from 400 randomly selected households in lower eastern Kenya in a cross-sectional survey. Multivariate probit regression was used to determine the factors influencing the choice of pathways used in accessing climate change adaptation information. Household socio-economic characteristics that were found to be significant in explaining access to disseminated agro-advisories include phone and radio ownership, level of education, marital status, and farm size among others. Based on these findings a conclusion is made that the socio-economic environment within which information is disseminated is vital in determining those who access information and probably act on it. Additionally, pathways found to be complementary or substitutable give information providers new insights on the channels to use in information dissemination. The study recommends that these factors be considered in efforts geared towards promoting agro-advisory preparation and dissemination to improve adaptation to climate variability and change in dryland areas.
