Variables | Credit user (171) | Non-user (189) | Overall | t value | ||
---|---|---|---|---|---|---|
Mean | SD | Mean | SD | Mean | ||
Age | 43.36 | 9.89 | 43.02 | 11.35 | 43.18 | 0.303NS |
Education level | 3.17 | 2.5 | 2.25 | 2.07 | 2.69 | 3.8*** |
Family size | 6.04 | 1.72 | 5.13 | 1.5 | 5.56 | 5.4*** |
Farm experience | 23.7 | 9.13 | 22.3 | 11.9 | 22.94 | 1.2 NS |
Land size | 2.07 | 1.4 | 1.70 | 1.38 | 1.88 | 2.5** |
Livestock holding | 2.9 | 2.13 | 3.4 | 1.99 | 3.14 | − 2.36** |
On-farm income | 1960 | 1933 | 2435 | 1809 | 2209 | − 2.4** |
Frequency of Ext. contact | 1.63 | 1.22 | 1.43 | 1.26 | 1.53 | 1.55NS |
Off/non-farm income | 470 | 675 | 282 | 575 | 372 | 2.8*** |
The time required to reach OCSSCO | 93.9 | 36.29 | 95.8 | 36.26 | 94.90 | − 0.487 NS |