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The study examines characteristics of informal financial market in Ghana and identifies the determinants of maize farmers' participation in informal financial market. The analysis is based on data collected from a survey of 595 maize farmers in seven districts of Ashanti and Brong Ahafo Regions of Ghana during May-July 2010. Descriptive statistics, Analysis of Variance (ANOVA) and logit model were used to analyse the data. The study revealed that intermediaries operating within the informaldoi:10.6092/sand_79086 fatcat:ilo6n42qsfby3ake6b5darprd4