David Mhlanga|Steven Henry Dunga
MEASURING FINANCIAL INCLUSION AND ITS DETERMINANTS AMONG THE SMALLHOLDER FARMERS IN ZIMBABWE: AN EMPIRICAL STUDY
University of Johannesburg|North-West University
study sought assess levels financial inclusion among smallholder farmers investigate determinants among study employed household measure measure level financial inclusion multiple regression assess determinants financial inclusion results indicated level financial inclusion among smallholder farmers low percentage households actively participating formal financial system 27 per cent 50 per cent investigation driving factors financial inclusion indicated offfarm income education level distance financial literacy age household significant variables explaining determinants financial inclusion among smallholder farmers manicaland province zimbabwe therefore study discovered important government zimbabwe financial institutions form partnerships come policies ensure smallholder farmers included formal financial market policies motivate households use formal financial services also crafted strive remove barriers financial inclusion among smallholder farmers instance looking farmers many farmers finding difficult access loans due lack collateral security banks need come services products tailormade smallholder farmers especially credit services allow smallholder farmers borrow