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\hypersetup{pdftitle={Factors Influencing Small Scale Farmers' Decision to Save with Rural Banks in the Dangme West District},pdfauthor={David Adams Mensah, John Kuwornu, Michael Kwaku Asante},pdfsubject={Tropentag 2016: Abstract},pdfkeywords={Determinants, farmers, rural banks, savings},pdfpagemode=None,colorlinks=true}
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\parbox[b]{13.4cm}{\centering \large{\textbf{Tropentag, September 18-21, 2016, Vienna, Austria}}\\[1ex] \Large{``Solidarity in a competing world ---\\fair use of resources''\\[2ex]}}
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\Large{\textbf{Factors Influencing Small Scale Farmers' Decision to Save with Rural Banks in the Dangme West District\footnote{\textbf{Contact Address:} Michael Kwaku Asante, University of Hohenheim, Inst. of Agricultural Sciences in the Tropics (Hans-Ruthenberg-Institute), Schwerzstrasse 1 1608, 70599~Stuttgart, Germany, \mbox{e-mail}: \email{asantemichael31@gmail.com}}\\[0.8ex]}}
\normalsize{\textsc{David Adams Mensah$^{1}$, John Kuwornu$^{2}$, Michael Kwaku Asante$^{3}$}}
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\begin{itemize*}
\item[]{\small{\textit{$^{1}$Univesity of Ghana, Agricultural Economics and Agribusiness, }}}
\item[]{\small{\textit{$^{2}$Asia Institute of Technology, School of Environment, Resources and Development, }}}
\item[]{\small{\textit{$^{3}$University of Hohenheim, Inst. of Agricultural Sciences in the Tropics (Hans-Ruthenberg-Institute), Germany}}}
\end{itemize*}
\index[author]{Adams Mensah, David}
\index[author]{Kuwornu, John}
\index[author]{Asante, Michael Kwaku}
\begin{center}
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\textbf{Abstract}
\begin{abstract}
\normalsize{
Savings is important to individuals and nations in a great way of preparing towards unexpected cost and events. One of the most important reasons we save is because we cannot predict the future. The main objective of the study is to determine the factors that influence small scale farmers' decision to save with rural banks. Primary data collected from 100 households in 3 different towns in the Dangme West District was used for this study. Data collected was analysed using descriptive statistics and logistic regression. The study shows that the main factors that influence the decision to save with rural banks are education, interest on saving, distance and household size. Interest on saving and education had a positive influence on the decision to save with rural banks while distance and household size had a negative influence on the decision to save. The decision to save was found to be higher among highly educated individuals and higher interest on the savings. The decision to save decreases the further away the bank from their house and the large the number of household. It is therefore recommended that Interest rate on savings should be increased. Government should subsidise education to encourage farmers' to educate themselves and their wards, health personnel should educate farmers on family planning such that household size would be reduced and rural banks should be established closer to the farmers to motivate them to save.Most of the small scale farmers' also agreed that the bank has contributed positively to their life by helping them save money and sometimes giving out loans to support their farming activities, most small scale farmers' disagree that the bank has contributed to the development of the community. The factors identified to influence small scale farmers' decision to save with rural banks are gender, age, marital status, household size, education, and income from other source, revenue from farming activities, distance and interest rate on savings.}

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\noindent \textbf{Keywords:} Determinants, farmers, rural banks, savings
\index[key]{Determinants}
\index[key]{Farmers}
\index[key]{Rural!banks}
\index[key]{Savings}
\end{document}
