Smallholder farmers' intention to adopt microfinance services in rural areas of Tanzania - a behavioural study

Julius J. Macha, Yee-Lee Chong, I Chi Chen · 2019 · International Journal of Business Innovation and Research

Summary. Tanzanian smallholder farmers show low adoption of microfinance services despite their potential to boost productivity. This study identifies key behavioral drivers: perceived benefits, subjective norms, attitude, and perceived behavioral control all increase farmers' intention to adopt microfinance. Perceived barriers reduce adoption intent. The research recommends improving financial literacy training, redesigning group-lending models to reduce individual risk, lowering interest rates, and creating financial products tailored to rural farmers' actual needs.

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@article{macha-2019-smallholder-farmers-intention-adopt-microfinance,
  title   = {Smallholder farmers' intention to adopt microfinance services in rural areas of Tanzania - a behavioural study},
  author  = {Julius J. Macha and Yee-Lee Chong and I Chi Chen},
  journal = {International Journal of Business Innovation and Research},
  year    = {2019},
  doi     = {10.1504/ijbir.2019.100325},
  url     = {https://doi.org/10.1504/ijbir.2019.100325}
}

TY  - JOUR
TI  - Smallholder farmers' intention to adopt microfinance services in rural areas of Tanzania - a behavioural study
AU  - Julius J. Macha
AU  - Yee-Lee Chong
AU  - I Chi Chen
JO  - International Journal of Business Innovation and Research
PY  - 2019
DO  - 10.1504/ijbir.2019.100325
UR  - https://doi.org/10.1504/ijbir.2019.100325
ER  - 

Details

DOI

10.1504/ijbir.2019.100325

Countries

Tanzania

Regions

Africa

Categories

funding, entrepreneurship

Added

2026-04-28