Downgrading Financial Service Delivery and Institutional Sustainability: A Case Study of Akwapim Rural Bank, Ghana

Rural financial markets in the developing world are faced with the problem of information asymmetry and are monopolistically competitive. Based on this, one policy option to enhance rural clients’ access is for formal financial institutions to mimic products and services of informal intermediaries. Empirical evidence on impact of mimicry on institutional sustainability can help improve policy choices, yet there is a dearth of studies on this. Using time series data to analyse trends in selected financial ratios and means this study examines the impact that the mimicking of an informal financial product by a formal financial institution (Rural Bank) has on the outreach and sustainability. The time series data was collected from the bank’s financial statements and returns to the central bank between 1996 and 2005. It was found that adoption of informal financial product enhanced outreach and sustainability of the bank. This study, demonstrates that the mimicry policy option if adopted by formal financial institutions can enhance availability of financial services to the productive poor and also lead to long-term sustainability of financial institutions.Key Words: Downgrading, Rural Finance, Informal Financial Products, Institutional Sustainability, Financial Products and Service

Microenterprise development coupled with nutrition education can help increase caregivers’ incomes and household accessibility to animal source foods

Low income and lack of knowledge about child nutrition have been identified as key constraints to the use of Animal Source Foods (ASF) in the diets of young Ghanaian children. To improve ASF consumption among children in Ghana, the Enhancing Child Nutrition through Animal Source Food Management (ENAM) project introduced an intervention that combined women’s microenterprise development activities with nutrition education on the importance of ASF in children’s diets. The present study assessed the effects of the intervention on the participants’ enterprise performance, their contribution to key household and child-related expenditures as well as their households’ purchases of ASF. Additionally, household ASF consumption was assessed in monetary terms (measured in Ghana cedis (GH¢):1GH¢ = US$ 0.92).A structured questionnaire was used to interview 80 caregivers who participated in the ENAM project activities in four intervention communities and 80 non-participant caregivers in four control communities. Information solicited included household characteristics, profits from microenterprises and contributions to household food and non-food expenditures. Significantly more participant caregivers expanded (P=0.004) and diversified (P=0.004) their enterprises and, as a result, tended to have higher average enterprise profits (GH¢19.3 ± 2.2 vs. GH¢12.2 ± 1.9; P=0.08) and significantly higher savings (GH¢62.9 ± 2.2 vs. GH¢26.3 ± 1.9; P<0.05) than non-participant caregivers. In addition, the intervention was associated with significantly higher percentage of monetary contributions by caregivers towards children’s health expenses (P<0.05), school expenses (P<0.01) as well as expenses on clothing and footwear (P<0.01). Caregivers’ mean percentage contribution to household food expenses also tended to be higher (P<0.1) for participants (50.8 ± 3.5%) then for non-participants (41.8 ± 4.1%). Participant households also tended to spend more money (P<0.10) and consumed significantly more amounts (in monetary value) of ASF (P<0.01) than non-participant households. Being a participant in the ENAM project’s microenterprise development and nutrition education activities was associated with higher enterprise profits, savings deposits, contributions to householdand children-related expenditures, and ASF consumption at the household level

Grounding agricultural research in resource-poor farmers' needs: a comparative analysis of diagnostic studies in Ghana and Benin

Eight researchers from Ghana and Benin, with different backgrounds but all co-operating within the Convergence of Sciences project, conducted diagnostic studies as a first step of their research aimed at developing technologies together with resource-poor farmers. The purpose of including diagnostic studies was to increase the likelihood that the resulting technologies would be grounded in the needs and opportunities of these farmers. To better understand the potential of diagnostic studies for improving the contribution of agricultural research to farmers’ livelihoods, a comparative study was conducted of the diagnostic studies carried out by the eight researchers. This research on agricultural research was participatory in that its results were arrived at in consultation with the eight researchers. The comparison revealed that diagnostic studies identified and established forums of stakeholders, especially of farmers, who were to play key roles in the co-construction of knowledge during the field experimental phase that followed the diagnostic studies. The diagnostic studies gave farmers a say in the design and conduct of the experimental phase which allowed them to influence the research process in the direction of developing and testing technologies that work in their circumstances and that satisfy their needs and priorities. In addition, the diagnostic studies have led to transparent choices with respect to the selection of sites, farmers and experiments. Furthermore, the conditions for negotiation were created. Finally, the diagnostic studies played a crucial role in making the partners within the Convergence of Sciences project aware of the importance of contextual framework conditions in determining the relevance of the project

Farmers' agronomic and social evaluation of productivity yield and N2-fixation in different cowpea varieties and their subsequent residual N effects on a succeeding maize crop

Cowpea-maize rotations form an important component of the farming systems of smallholder farmers in the forest/savannah transitional agro-ecological zone of Ghana. We evaluated five cowpea varieties for grain yield, N-2-fixation, biomass production, and contribution to productivity of subsequent maize grown in rotation. We further analyzed the interrelationship between these technical dimensions and the social acceptability of these cowpea varieties for farmers. Cowpea grain yield ranged between 1.1 and 1.4 t ha(-1) with no significant yield differences among the different varieties. Using the N-15 natural abundance technique, the average proportion of N-2 fixed ranged between 61% for Ayiyi and 77% for Legon prolific. This resulted in average amounts of N-2 fixed in above-ground biomass ranging between 32 and 67 kg N ha(-1), respectively. Variation in estimates due to differences in delta N-15 among reference plants were larger than differences between cowpea varieties. The amount of soil-derived N ranged from 15 to 20 kg N ha(-1). The above-ground net N contribution of the cowpea varieties to the soil (after adjusting for N export in grains) was highest for Legon Prolific (31 kg N ha(-1)) due to high N-2-fixation and high leaf biomass production. Maize grain yield after cowpea without application of mineral N fertilizer ranged between 0.4 t ha(-1) with maize after maize to 1.5 t ha(-1) with Legon Prolific. The N fertilizer equivalence values for the cowpea varieties ranged between 18 and 60 kg N ha(-1). IT810D-1010 was ranked by the farmers as the most preferred cowpea variety due to its white seed type, short-duration, ease of harvesting and good market value. Despite the high leaf biomass production and high amount of N-2 fixed by Legon Prolific, it was generally the least preferred variety due to lower market price, late maturity, least potential cash income (due to the red mottled seed type) and difficulty in harvesting. Although farmers recognized the contribution of cowpea to soil fertility and yields of subsequent maize, they did not consider this as an important criterion for varietal selection. Soil fertility improvement must be considered as an additional benefit rather than a direct selection criterion when designing more sustainable smallholder farming systems

Dietary intakes and iron status of vegetarian and non-vegetarian children in selected communities in Accra and cape coast, Ghana

There is a scarcity of information on dietary intake and iron status of Ghanaian children raised on vegetarian diets. A cross-sectional study design was used to compare the diets and iron status of vegetarian children between the ages of 9 months and 11 years (n= 26) with matched controls, non-vegetarian children (n=26) of similar ages and same sex and living within the same communities in Accra and Cape Coast, Ghana. Dietary information was collected using 24-hr food recall and 12-hr home observation. Haemoglobin, plasma ferritin, C-reactive protein, and Transferrin Receptor (TfR) concentrations were determined on finger prick (haemoglobin) and venous blood samples collected during the study. Based on the 24-hr food recall, vegetarian children’s diets were devoid of vitamin B12whereas non-vegetarian children’s diets were not (0.0 ± 0.0 mg vs. 1.5 ± 1.8 mg, p<0.001). The dietary intake based on 12-hr home observation showed similar results. However, vegetarians had significantly higher intake of dietary fibre (17.1 ± 11.9 g vs. 8.4 ± 6.2 g, p= 0.002), thiamine (1.1 ± 0.8 mg vs. 0.5 ± 0.3 mg, p= 0.001) and vitamin A (1702 ± 1887 Retinol Equivalent (RE)vs. 671 ± 691 RE, p= 0.010) than non-vegetarian children. Dietary diversity based on nine food groups was similar between groups (5.8 ±1.0score). Plasma ferritin was higher for non-vegetarian children compared to the vegetarians (59.2± 48.2 ng/mL vs. 34.1± 25.8ng/ml, p= 0.012) but there was no group difference in plasma TfR. The prevalence of anaemia was about 25% in both groups. Typical diets of Ghanaian children lack variety and both vegetarian and nonvegetarian diets are insufficient to support adequate iron status. Iron-rich foods such as meat or supplements are needed. There is urgent need for immediate vitamin B12 supplementation for all vegetarian children and a general need for nutrition education to diversify all children’s diets

Locally processed roasted-maize-based weaning foods fortified with legumes: factors affecting their availability and competitiveness in accra, ghana

Tom Brown (roasted-maize porridge) is one of the traditional weaning foods in Ghana. As an effort by the Ministry of Health to enhance the nutrient content of this lownutrient- density weaning food, a product called weanimix, which is Tom Brown fortified with legumes (cowpeas or soybeans and groundnuts), was introduced more than two decades ago. Cowpeas are an indigenous African legume, popularly used by Ghanaians for various traditional dishes. While soybeans are not traditionally used, they can easily be incorporated into local diets. Commercial weanimix-type products in ready-to-cook flour form are currently available mainly at supermarkets, which target higher-income consumers. This paper examined: (1) the competitiveness between cowpeas and soybeans as an ingredient in weanimix; and (2) constraints to making weanimix more widely available to lower-income families. Local food processors, weaning mothers, commercial custom millers, and retailers were interviewed for both qualitative and quantitative data. Secondary price data were collected from different sources including the Ministry of Food and Agriculture. Descriptive analysis was carried out to address non-price factors of the issues, andenterprise budgeting and sensitivity analyses were conducted to address price factors. The study found that the higher price of cowpeas, compared to soybeans, is a minor factor in local processors’ choice between cowpeas and soybeans. Rather, the current overwhelmingly popular use of soybeans in the weanimix-type products among the respondents was attributed to non-price factors such as the perception that soybeans are more nutritious. A main reason for the lack of availability of weanimix for mothers from lower-income families appeared to be low awareness of the product among consumers. The results of sensitivity analysis showed that typical differences in prices currently observed between weanimix-type products and Tom Brown seems to be larger than the difference in the cost of production between these products. It was also shown that the level of processing and retail margins greatly affect the retail prices of weanimix. Weanimix could be made more available to lower-income consumers if local companies expanded their outlet for the product from supermarkets to small shops or if grain and flour-type product vendors in the local markets (who currently prepare and sell Tom Brown) produced and sold weanimix. However, actions would need to be taken to help assure consumers of the quality of the product sold through market vendors.Key words: weaning food, cowpeas, soybeans, Ghan

Perceived Impacts of Rural-Urban Migration on Agricultural Productivity in Nanumba South District of Northern Region of Ghana

There has been much out-migration by the youth from the Nanumba South District in the Northern Region of Ghana to urban centres in the country. The study was designed to to find out perceptions of the community members of causes of out-migration and its impact on agriculture and food availability in the Nanumba South District.The research design used quantitative data on a sample size of 400 farmers. A significant relationship was found between two push factors (poor educational services and poor health services) and the motivation to migrate while all the pull factors studied were statistically significant. It was observed that there was no significant relationship between farm incomes and the motivation to migrate but there was a significant relationship between migration and labour availability; migration and availability of agricultural land; and migration and food availability. The study recommends the need for policies aimed at increasing income growth in agriculture, intensification of the non-farm economy and investment in basic education, skills development, and provision of functional social amenities. Keywords: Migration, push factors, pull factors, out-migratio

Enhancing backyard poultry enterprise performance in the techiman area: A value chain analysis

Backyard Poultry (BP) production is widespread among rural households in Ghana and provides an opportunity for small scale enterprise development to contribute to poverty alleviation. Traditionally, efforts to improve poultry production activities have emphasized the technical aspects of production while neglecting the social and organizational processes that underlie BP enterprises. A value chain framework was used to qualitatively assess BP enterprises in two communities in the Techiman Municipality of the Brong Ahafo Region in Ghana. The main purpose of the study was to understand how the activities and relationships among actors along the BP value chain influence BP enterprise performance and its implications for development of the industry. Community key informants defined a BP enterprise as ownership of at least ten post vulnerability age chickens (defined as ability to roost on trees to escape predators and disease). All identified BP farmers in the communities were classified as ‘high’ and ‘low’ enterprise performers based on flock size of ‘post- vulnerability age chickens’. The study participants included a purposive sample of ‘low’ (n=10) and ‘high’ (n=10) performing BP farmers from each community as well as service providers and support institutions in the BP value chain identified through snowball sampling. Qualitative data were collected using focus group discussions and key informant interviews. Content analysis was used to summarize themes and patterns from the interview transcripts and to compare high and low performing BP enterprises based on the identified activities and relationships. Higher BP enterprise performance was associated with stronger inter- and intra-actor integration of activities in the various functions of the value chain and higher investment of resources in the activities of the value chain. Additionally, opportunities for import substitution to meet the high national demand for chicken meat were identified. Sustainable improvements in the BP sector must involve social, relational, organizational, as well as technical innovation

PRODUCT LIFE CYCLE MODEL OF COWPEA BASED PRODUCTS IN GHANA

An exploratory market study of cowpea products in Ghana using data from case studies of consumers, personal interviews of processors and market surveillance of retail outlets indicated that the cowpea processing industry has low milling capacity, low production level, and few small operators most of whom have been in the business for less than six years. Cowpea flour, the main value added product, is typically sold in bulk or unbranded small packages through retail and wholesale outlets and directly to consumers including individuals, institutions and the catering industry. Although a high proportion of processors are aware of the new cowpea utilization technologies, only a low percentage have capacity expansion plans within the next two years. A large majority is uncertain and a small percentage has no expansion plans in the next two years. Cowpea products are widely consumed but are facing increasing competition from soybean especially in weaning mixes. However, there are several dishes using cowpea flour produced in the household and these provide a varied nutritious diet and have added desirable attributes which include easy cooking, availability, and favorable taste. The cowpea products industry is a nascent industry, apparently in stage two of the product life cycle, the introduction stage, which is characterized by a limited number of competing firms, low profitability, and high prices. The full impact of new utilization technologies will be realized over several years following substantial private capital investments in processing, marketing and strategic promotional activities.Industrial Organization,

Influence of spontaneous fermentation on some quality characteristics of maize-based cowpea-fortified nixtamalized foods

Spontaneous fermentation has been identified to improve the quality characteristics of foods derived from them. When combined with cowpea fortification and nixtamalization, it is expected to improve the nutritional, functional, physico- chemical and sensory qualities of maize based foods thereby improving the qualities as well as broadening the food processing techniques in sub-Saharan Africa. This study was therefore aimed at investigating the influence of spontaneous  fermentation on the functional, physico-chemical and sensory characteristics of maize-based cowpeafortified nixtamalized foods. A 3x3x2 factorial experiment with fermentation time (0, 24, 48 h), cowpea (0, 10 and 20%) and alkaline treatment (nixtamalized and nonnixtamalized maize) was used. Samples were analyzed for pH, titratable acidity and water absorption capacity (27°C and 70°C). The blends were dried using the cabinet drier, milled into flour and processed into a snack food. The cylinder probe test was used in a TA-TX2 Texture Analyzer to measure the  hardness of processed snack foods and sensory analysis was conducted to  determine the acceptability of the snack products. The pH of all the nixtamalized samples decreased with fermentation time and cowpea fortification with concomitant increase in titratable acidity. Cowpea addition caused decreases in the pH from 9.68 to 6.12 in the unfermented nixtamalized samples. Contrary to this trend,  general increases in titratable acidity were observed with fermentation and cowpea addition of the products. The water absorption capacities at both 27°C and 70°C of all the nixtamalized blends generally decreased with fermentation time and cowpea fortification. The texture (hardness) of the formulated products were acceptable. Sensory evaluation indicated that the techniques of nixtamalization, fermentation and cowpea fortification used for the processing of the products did not influence their acceptability by the panel. Nixtamalized maize can therefore be subjected to spontaneous fermentation with cowpea fortification to enhance the functional, physico-chemical and sensory properties of products derived from them, thereby serving as alternative food technologies to maize processing in sub-Saharan Africa.Keywords: Maize, fermentation, cowpea-fortification, nixtamalization, functionalproperties