ABSTRACT
The concept of infrastructure, education,
availability, usage, affordability, inequality, and accessibility of funds
remains useful
in agricultural productivity. Nonetheless, the most instrumental challenge of
rural farmers is the factors mentioned above, which hindered the growth of agricultural
productivity over the years in Africa. As a result, this study examines the
nexus between gender, financial inclusion, and Agriculture Productivity in
Ghana. The study adopted a cross-sectional research design with secondary data
sources from the Ghana Living Statistical Survey 7. Data were analyzed using
STATA version 15. The objective of the study was analyzed using the ordinary
least square method. The study revealed that financial inclusion has a
significant positive relationship with agricultural productivity. Also, factors
such as age, farm size, household size, ownership of land have a positive
impact on agricultural productivity coupled with the low level of education.
Results indicate that farm size, equipment ownership, expenditure on inputs,
age, marital status, land ownership, household size, and education level are
determinants of agricultural productivity. The paper revealed that male farmers
are more financially inclusive than their female counterparts. As a result, the
study concluded that there are strong links between gender, financial
inclusion, and agricultural productivity. The government and other stakeholders
in Ghana need legal and institutional transformations that will help meet the
needs and constraints of females, especially in the rural communities, to
broaden the scope of financial services hence making them financially
inclusive.