Adoption of digital payment platforms and trade credit activities among informal firms in Ghana.

This study investigates the relationship between the utilisation of digital payment platforms and the decision of informal firms to engage in the demand for or supply of trade credit. Recognizing the pivotal role of trade credit in alleviating financial constraints for informal enterprises, our research employs a recursive bivariate probit model to assess the impact of digital payment platform usage on both the demand for and supply of trade credit among informal firms in Ghana. Leveraging data from the World Bank Enterprise Survey, we find that 13.83 % of informal firms receive trade credit from suppliers, while 26.89 % extend trade credit to customers. Additionally, 49.6 % of firms use digital payment platforms for their business transactions. The study finds that digital payment platforms increase the probability of firms engaging in the demand and supply of trade credit. It argues that digital payments enhance transaction efficiency, convenience, and security, potentially reducing associated transaction costs and facilitating business interactions across distant locations. Various factors, including firm age, maintenance of accounting records, sales volume, owner experience, credit facilities, internet use for social media marketing, and operating hours, significantly influence the decision to engage in trade credit activities. The robustness of our results is confirmed through alternative estimation techniques. Recommendations include policy interventions aimed at promoting the digitalization of informal firms, supported by government investments in digital infrastructure. It is recommended that firms and their suppliers and customers should adopt these digital payment platforms in order to facilitate their use of trade credit in business transactions. A regulatory environment fostering business trust and responsible use of digital payment platforms is crucial, necessitating measures to ensure data protection, security, and ethical conduct within the digital payments' ecosystem.

Erratum: Marriage, bridewealth and power: critical reflections on women's autonomy across settings in Africa - CORRIGENDUM.

[This corrects the article DOI: 10.1017/ehs.2022.27.].

Marriage, bridewealth and power: critical reflections on women's autonomy across settings in Africa.

This article examines ongoing discourses on the importance of the marriage payment and its role in constraining women's autonomy across societies in Africa. First, we review how bridewealth has been conceptualised across multiple disciplines, including the work of evolutionary human scientists. We then summarise our research grounded in residential ethnographic fieldwork data collected over a period of a year in a rural settlement in north-western Ghana. Feminist accounts on women's lived experiences throughout bridewealth practising societies point to their subordination. In some contexts, including northern Ghana, bridewealth is perceived as engendering women's oppression. To liberate women from patriarchal norms, some gender advocates call for undoing of the institution of the marriage payment. Nonetheless, the women who bear the brunt of gendered oppression and the men who derive patriarchal dividends from it are averse to this undoing discourse as the bridewealth normatively secures legitimacy for women. Undoing bridewealth may mean further rendering precarious women's status in the marital family. We conclude that rather than undoing the revered institution of bridewealth, there is need to build on culturally appropriate notions of communitarianism as encapsulated by the Ubuntu philosophy and indigenous systems such as the traditional courts for negotiating the rights of women.