..., the financial literacy score ranges from 0 to 7; that is, an individual gets a high score of 7 for answering all questions correctly and 0 otherwise. The seven questions are presented in Table 1 below. Financial literacy Rural dweller Instrumental variables Ghana A1 C1 C8 G4 G5 R2...

.../methodology/approach The study employed an instrumental variable approach and the stochastic frontier analysis (SFA) method for the estimation of the results. Findings The study found that farmers who have access to agricultural credit stand the chance of increasing TE by a margin of 8%, which also...