Development outcomes of land tenure formalization under customary and statutory land tenure systems in Tanzania: a multinomial endogenous switching regression approach

Table 4 ATU effects of customary and statutory LTF on credit access

Outcomes	Counterfactual			Actual			ATU
Outcomes		Mean	Std.Err		Mean	Std.Err	Mean	Std.Err
General Credit Access	If none certificates become CGROs	0.080	0.014	None certificates remain none	0.093	0.037	0.008	0.006
	If none certificates become CCROs	0.098	0.014	None certificates remain none	0.104	0.041	0.001	0.002
	If CCROs become CGROs	0.097	0.016	CCROs remain CCROs	0.104	0.025	0.021	0.019
Informal Credit Access	If none certificates become CGROs	0.076	0.022	None certificates remain none	0.088	0.022	0.021***	0.00 1
	If none certificates become CCROs	0.077	0.021	None certificates remain none	0.098	0.024	0.008**	0.004
	If CCROs become CGROs	0.081	0.011	CCROs remain CCROs	0.090	0.024	0.012*	0.007
Formal Credit Access	If none certificates become CGROs	0.035	0.007	None certificates remain none	0.018	0.002	0.018**	0.008
	If none certificates become CCROs	0.018	0.005	None certificates remain none	0.018	0.003	0.006*	0.003
	If CCROs become CGROs	0.037	0.010	CCROs remain CCROs	0.027	0.009	0.011 *	0.006

*, **, and *** represent statistical significance at 10%, 5%, and 1% levels, respectively

ISSN: 2048-7010