Variables | Credit access and cooperative membership | Productivity with credit access cooperative members | Productivity without credit access and cooperative non-members |
---|---|---|---|
Age | 0.240*** (2.41) | 0.978*** (2.68) | 0.296** (2.15) |
Age2 | 0.316 (0.99) | 0.716 (1.08) | 0.678 (0.77) |
Household size | 0.285*** (3.05) | 0.274*** (5.32) | − 0.162*** (− 2.10) |
Years of education | 0.337*** (4.99) | 0.685*** (3.72) | 0.499 (0.38) |
Year of experience | 0.754 (0.17) | 0.738** (2.39) | 0.413 (0.22) |
Farm size | 0.509 (1.16) | 0.655 (0.23) | 0.846*** (7.40) |
Gender | 0.277*** (3.94) | 0.665 (1.50) | 0.359 (0.25) |
Asset | 0.209 (1.35) | 0.471 (1.17) | 0.180*** (6.25) |
Constant | 1.676** (2.29) | 1.457*** (2.90) | 1.568*** (3.94) |
/Ins0 | 0.372** (3.08) | Â | Â |
/Ins1 | 0.569*** (6.16) | Â | Â |
/r0 | 0.625** (2.25) | Â | Â |
/r1 | 1.601*** (9.48) | Â | Â |
Sigma_ 0 | 1.641** (2.09) | Â | Â |
Sigma _1 | 0.514 (1.26) | Â | Â |
Rho_0 | 1.518** (4.39) | Â | Â |
Rho_1 | 0.296** (6.13) | Â | Â |
Observations | 300 | 201 | 99 |