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This analysis investigates the barriers faced by women in accessing microfinance services compared to men among Ghanaian smallholder farmers.

March 7, 2026Open Access

Gender Disparities in Microfinance Access Among Ghanaian Smallholder Farmers: A Policy Analysis in the Volta Region

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Mixed-method analysis reveals significant barriers for women in accessing microfinance services, affecting economic empowerment.

This analysis investigates the barriers faced by women in accessing microfinance services compared to men among Ghanaian smallholder farmers.
Employed a mixed-method approach combining qualitative interviews and quantitative data analysis.
Gathered insights from male and female smallholder farmers in the Volta Region of Ghana.
Examined interest rates, collateral requirements, and overall access to microfinance services.
Women face higher interest rates compared to men when accessing microfinance services.
Inadequate collateral requirements significantly limit women's financial inclusion.
Pronounced gender disparities affect agricultural development and economic empowerment in the region.

Taiwo Odurokuwa (2008) studied this question.

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