| Summary: | The study investigates the effect of weather-index insurance on intensity of fertilizer use
and yields among 230 smallholder maize farmers in Northern Region of Ghana. Out of the
total sample of selected farmers, about 35% purchased the insurance. Using an endogenous
treatment regression model, the study showed that weather-index insurance purchase
increased the intensity of fertilizer use but did not have a significant effect on maize yield. Past
experience of crop failure due to drought, livestock ownership as well as the total area of land
owned explained weather-index insurance purchase in the study area. Based on the results of
this study, the Government of Ghana can use weather-index insurance as a policy tool to
increase the use of fertilizer by smallholder maize farmers.
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