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Table 2 Socio-economic characteristics of sample farmers

From: Small farmers’ preferences for weather index insurance: insights from Kenya

Variables Full sample (n = 386) Ever-insured (n = 152) Non-insured (n = 234)
Male household head (%) 67.9 (46.8) 58.6 (49.4) 73.9*** (44.0)
Education of farmer (years) 8.2 (4.0) 8.2 (4.0) 8.2 (4.0)
Age of farmer (years) 52.1 (14.6) 53.7 (13.1) 51.1* (15.4)
Farming experience (years) 26.8 (16.2) 29.1 (15.7) 25.3** (16.4)
Household size (persons) 4.6 (1.9) 4.6 (2.0) 4.5 (1.9)
Farming as primary occupation (%) 92.0 (27.2) 94.7 (22.3) 90.2*** (29.8)
Off-farm secondary occupation (%) 33.4 (47.2) 29.0 (45.4) 36.3*** (48.1)
Farm size (acres) 2.1 (1.9) 2.4 (2.4) 1.9*** (1.5)
Land title (%) 66.4 (47.2) 74.7 (43.5) 61.0*** (48.8)
Share of farm income (%) 67.2 (32.7) 72.0 (31.1) 64.1** (33.4)
Total annual income (‘000 Ksh) 185.5 (370.3) 156.9 (214.3) 204.0 (442.6)
Share of land under maize (%) 46.1 (17.5) 49.5 (18.7) 43.9*** (16.3)
Received WII training in 2013 (%) 41.2 (49.3) 61.8 (48.7) 27.8*** (44.9)
WII trainings in 2013 (number of contacts) 2.3 (8.5) 3.5 (10.5) 1.6** (6.8)
Group membership (%) 88.1 (32.4) 90.8 (29.0) 86.3 (34.4)
Years in group 11.2 (12.8) 14.2 (13.4) 9.2*** (12.1)
Access to farming loan (%) 20.2 (40.2) 23.0 (42.2) 18.4 (38.8)
Farming loan received in 2013 (‘000 Ksh) 22.4 (60.0) 15.2 (23.0) 28.2 (78.1)
Satisfaction with WII (1 = very dissatisfied, 5 = very satisfied) 3.4 (0.5) 3.5 (0.6) 3.3*** (0.4)
Distance to weather stations (km) 43.6 (12.5) 44.8 (12.6) 42.8 (12.4)
Risk preference (1 = risk-averse, 5 = neutral, 10 = loving) 6.75 (2.87) 6.82 (2.90) 6.71 (2.86)
  1. Mean values are shown with standard deviations in parentheses
  2. ***, **, * indicate difference in means between sub-samples is statistically significant at 1, 5, and 10% level, respectively
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