Ghana - Land Titling and Financial Literacy Impact Evaluation 2010

Secure property rights are critical for economic growth. One of the central manifestations of these rights is over land tenure. Secure land tenure can lead to increased access to credit, increased investment, and higher agricultural output. This in turn can lead to significant improvement in household welfare. However to gain access to credit, collaterals in the form of landed property may be required. Following this logic and expectations, the Millennium Development Authority (MiDA) started a Land Tilting pilot program in the Awutu-Senya District of the Central Region of Ghana in 2010. The Institute of Statistical, Social and Economic Research (ISSER) was tasked with conducting an independent impact evaluation of the outcomes after implementation. The impact evaluation survey sought to examine the effects at different points in the chain of effects (i.e. from perceived tenure security to ultimate household welfare). Such as:- The effect of land title registration on the perceived tenure security- The effect of land registration on investments in land (e.g. agricultural improvements, building construction, tree planting)- The effect of land title registration on access to credit- The effect of land title registration on crop choice (e.g. between cash and subsistence crops) The information gathered from the survey would generally aid decision makers in the formulation of economic and social policies to: - Construct models to simulate the impact on individual groups of the various policy options and to analyze the impact of decisions that have already been implemented and of the economic situation on living conditions of households- To provide benchmark data for the district assemblies The survey can be important for planners to know how to improve the quality of people's living standards. National Development Planning Commission, the Ministry of Finance and Economic Planning (MFEP), District Assemblies, Research Institutions, Non-Governmental Organizations and the general public will also greatly benefit from data of this survey.

产权安全（Secure Property Rights）对于经济增长至关重要。此类权利的核心表现形式之一为土地保有权（Land Tenure）。稳定的土地保有权能够提升信贷可得性、促进投资增长并提高农业产出，进而显著改善家庭福祉。然而，若要获取信贷，往往需要以土地资产作为抵押品。基于这一逻辑与预期，千年发展管理局（Millennium Development Authority, MiDA）于2010年在加纳中部地区的阿图图-森亚区（Awutu-Senya District）启动了土地确权（Land Tilting）试点项目。统计、社会与经济研究所（Institute of Statistical, Social and Economic Research, ISSER）受委托对该项目实施后的成果开展独立影响评估。本次影响评估调查旨在探究效应链条不同节点的影响效果，即从感知的保有权保障到最终家庭福祉的完整传导路径，具体包括：- 土地产权登记对感知保有权保障的影响；- 土地登记对土地投资（如农业改良、建筑施工、植树造林）的影响；- 土地产权登记对信贷可得性的影响；- 土地产权登记对作物选择的影响（如经济作物与自给作物的选择）。本次调查收集的信息可辅助决策者制定经济与社会政策，具体用于：构建模型以模拟各类政策选项对不同群体的影响，并分析已实施决策与经济形势对家庭生活状况的作用效果；为各区议会提供基准数据。本次调查可帮助规划人员明晰提升民众生活质量的可行路径。国家发展规划委员会、财政与经济规划部（Ministry of Finance and Economic Planning, MFEP）、各区议会、研究机构、非政府组织及普通公众，也将从本次调查的数据中获得显著收益。