Timu, Anne G., Shee, Apurba ORCID: 0000-0002-1836-9637 , Ward, Patrick S. and You, Liangzhi (2024) Evaluating the gendered credit constraints and uptake of an insurance-linked credit product among smallholder farmers in Kenya. The Journal of Development Studies. ISSN 0022-0388 (Print), 1743-9140 (Online) (doi:https://doi.org/10.1080/00220388.2024.2404573)

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Abstract

Using data from a multi-arm experiment among maize and bean smallholder farmers in Kenya, we evaluate the gender differences in credit rationing, and whether an insurance-bundled credit product, known as risk contingent credit (RCC) could enhance credit access for both men and women. Using three years of household survey data, we find that female-headed households are significantly more risk-rationed (or demand-side rationed) than men. Post-intervention, we find that the impacts of RCC on credit uptake decisions are significantly larger than those of conventional credit. We also find that RCC impacts do not vary across the different gender categories.

Item Type:	Article
Uncontrolled Keywords:	financial inclusion; gender; agricultural credit; credit rationing; insurance-linked credit
Subjects:	H Social Sciences > H Social Sciences (General) S Agriculture > S Agriculture (General)
Faculty / School / Research Centre / Research Group:	Faculty of Engineering & Science Faculty of Engineering & Science > Natural Resources Institute Faculty of Engineering & Science > Natural Resources Institute > Centre for Food Systems Research
Last Modified:	03 Oct 2024 12:56
URI:	http://gala.gre.ac.uk/id/eprint/48195

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