Please use this identifier to cite or link to this item: http://hdl.handle.net/10419/90617
Authors: 
Kikulwe, Enoch M.
Fischer, Elisabeth
Qaim, Matin
Year of Publication: 
2013
Series/Report no.: 
GlobalFood Discussion Papers 22
Abstract: 
Mobile phone based money services have spread rapidly in many developing countries. We analyze micro level impacts using panel data from smallholder farmers in Kenya. Mobile money use has a large positive net impact on household income. One important pathway is through remittances, which contribute to income directly but also help to reduce risk and liquidity constraints, thus promoting agricultural commercialization. Mobile money users apply more purchased inputs, market a larger proportion of their output, and have higher farm profits. These results suggest that mobile money can help to overcome some of the important market access constraints of smallholder farmers.
Subjects: 
mobile banking
remittances
market transactions
agriculture
Africa
Kenya
JEL: 
D13
O13
O16
O33
Q12
Document Type: 
Working Paper

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