摘要：Farmers in Ghana plays a key role in increasing food supplies and a sector that contributes major to the country’s gross domestic, yet they tend to have little or no access to formal credit finance. The study seeks to examine financial barriers that limit farmer’s access to formal finance. The study utilized multiple regression model to validate the relationship between formal finance and financial barriers. The empirical results shows that statistically barrier factors positively affect farmer's access to formal finance (FF). It effects on formal finance is significant. Therefore, Ministry of Food and Agricultural and Ghana Cocoa board, stakeholders and other nonprofit organizations in Ghana, should discover and liaise with formal financial institutions to mount good packages to support famers in rural communities in Ghana irrespective of these barriers.
