Table 3 Socioeconomic characteristics of the respondents by access to credit
Variables | Pooled | Access to credit | Non-access to credit | Minimum | Maximum | t-test |
|---|---|---|---|---|---|---|
Age | 51.30 (10.06) | 51.92 (9.28) | 48.78 (9.97) | 21 | 72 | 2.31** |
Age2 | 2722.12 (960.29) | 2781.69 (952.31) | 2473.64 (961.71) | 441 | 5184 | 2.21** |
Household size | 7.07 (5.29) | 6.97 (1.97) | 7.41 (2.68) | 1 | 14 | 1.42 |
Years of education | 8.88 (3.48) | 9.12 (4.58) | 7.84 (3.23) | 0 | 19 | 2.02** |
Years of experience | 24.12 (7.15) | 24.84 (8.69) | 23.77 (9.39) | 5 | 54 | 0.791 |
Farm size | 9.10 (5.47) | 11.79 (9.27) | 6.07 (4.98) | 1 | 18 | 4.53*** |
Natural log of productivity | 8.12 (5.907) | 8.24 (6.84) | 7.36 (6.71) | 6.58 | 11.13 | 2.15** |
Gender (male) (%) | 89.34 | 91.32 | 8.68 | Â | Â | Â |
Own asset | 70.67 | 80.58 | 19.42 | Â | Â | Â |
Obs | 300 | 228 | 72 | Â | Â | Â |