Investment Behaviour of Rural Families in Ghana: The Case of Rural Families in the Ho Municipality of the Volta Region

The main objective of the study was to explore the investment behaviour of rural households in the Ho Municipality of Ghana. The population used for the study was rural families in the Ho Municipality of the Volta Region of Ghana. The sample size of 160 households was drawn from the population using the multi-stage cluster sampling technique. Frequencies, percentages, mean scores and cross tabulations were used to present the findings of the study. The findings show that the respondent family heads preferred informal forms of investment to formal forms. Most of the items that the families invested in within the period were mainly for immediate use and the families invested for such reasons as leisure, employment security, financial security for self and children, to improve their standards of living among others. It was also found that the families’ ability to invest was constrained by personal, institutional and societal factors. The findings of this study have policy implications for poverty alleviation in the study area and rural Ghana in general.