Template-Type: ReDIF-Article 1.0
Author-Name: Akwasi Agyeman Britwum
Author-Email: akwasi2011@gmail.com
Author-Name: Franklin Nantui Mabe
Author-Email: mfnantui@uds.edu.gh
Author-Name: Oluyemi Theophilus Adeosun
Author-Email: oluyemiadeosun@gmail.com
Title: How bank recapitalization and ownership shape agricultural finance in Ghana: A note
Abstract: This study examines the heterogeneous effects of recapitalization and the origin of banks on agricultural finance in Ghana, using panel data from 2015–2018 (pre-recapitalization) and 2019–2022 (post-recapitalization). Fixed effects regression with robust standard errors was employed, incorporating macroeconomic indicators (interest rate, inflation) and bank-specific variables (capital adequacy ratio, non-performing loans). Results show that recapitalization improved agricultural financing. Regional banks increased lending compared to foreign banks, while indigenous banks reduced lending. Macroeconomic and bank-specific factors also influenced agricultural finance differently. Policies should incentivize domestic banks to support the agricultural sector in enhancing food security and reducing dependence on foreign aid.
Keywords: Recapitalization, agricultural finance, impacts, microeconomic indicators, indigenous banks, foreign banks, regional banks
Journal: Modern Finance
Pages: 13-28
Volume: 3
Issue: 2
Year: 2025
Subtitle : 
File-URL: https://mf-journal.com/article/view/231
File-Format: text/xml
Handle: RePEc:bdy:modfin:v:3:y:2025:i:2:p:13-28:id:231