Date of Conferral



Doctor of Business Administration (D.B.A.)




Karin Mae


Agricultural system in Ghana underperformed because of limited financing, which constrained some small-scale maize and cassava farmers. The purpose of this case study design was to explore the methods that some small-scale maize and cassava farmers in Amankwakrom Subdistrict used in obtaining farm financing. Two themes from the literature review were a lack of collateral for small-scale farm financing and the small-scale farmers cooperative associations' role in farm financing. Regional-scale management sustainability index formed the conceptual framework for this study. Data collection included semistructured face-to-face interviews with 8 fluent English speaking small-scale maize and cassava farmers who have obtained farm financing in the previous years. Using the Microsoft Excel and Non-numerical unstructured data indexing and theorizing software program for data analysis method, 3 major themes emerged: the farmer's membership benefits of working in cooperative associations; farmer's ability to provide the collateral requirements for the financial institutions; and farmer's good loan repayment history. The study findings indicated that some small-scale maize and cassava farmers obtained farm loans because they used the cooperative associations as their collateral assets in order to satisfy for the requirements of the financial institutions. Social implications include the potential to guide the small-scale maize and cassava farmers to access farm credits to use in expanding their farm sizes. Expansion in farm sizes may result in more maize and cassava production that can help eliminate hunger and reduce poverty in the Amankwakrom Subdistrict of Ghana.