Regressors | General credit access | Informal credit access | Formal credit access | |||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
CGRO | CCRO | No certificate | CGRO | CCRO | No certificate | CGRO | CCRO | No certificate | ||||||||||
Coef. | Robust Std.Err. | Coef. | Robust Std.Err. | Coef. | Robust Std.Err. | Coef. | Robust Std.Err. | Coef. | Robust Std.Err. | Coef. | Robust Std.Err. | Coef. | Robust Std.Err. | Coef. | Robust Std.Err. | Coef. | Robust Std.Err. | |
Formal Employment | 0.036 | 0.002 | 0.023 | 0.009 | 0.034 | 0.014 | − 0.057 | 0.032 | − 0.149 | 0.110 | − 0.149 | 0.110 | 0.126 | 0.053 | 0.018 | 0.096 | 0.149 | 0.110 |
Plot owner’s age | 0.000 | 0.000 | 0.000 | 0.000 | − 0.001 | 0.000 | 0.003 | 0.002 | − 0.001 | 0.000 | − 0.001 | 0.000 | − 0.001 | 0.000 | 0.000 | 0.000 | − 0.001 | 0.000 |
Education above primary | 0.016 | 0.012 | 1.099 | 0.040 | − 0.004 | 0.002 | 0.186 | 0.235 | − 0.032 | 0.024 | − 0.032 | 0.024 | − 0.021 | 0.019 | − 0.012 | 0.017 | − 0.032 | 0.024 |
Migrant from another region | 0.003 | 0.006 | 0.018 | 0.001 | 0.003 | 0.002 | 0.091 | 0.107 | 0.016 | 0.019 | 0.016 | 0.019 | 0.000 | 0.015 | 0.016 | 0.013 | 0.016 | 0.019 |
Dwelling Certificate | 0.010 | 0.009 | − 0.180 | 0.008 | − 0.010 | 0.003 | − 0.109 | 0.097 | − 0.001 | 0.029 | − 0.001 | 0.029 | − 0.035 | 0.017 | 0.036 | 0.024 | − 0.001 | 0.029 |
Ln (Mean plot-varying factors) | 0.018 | 0.005 | − 0.007 | 0.001 | 0.005 | 0.001 | 0.002 | 0.045 | 0.009 | 0.005 | 0.009 | 0.005 | 0.014 | 0.005 | − 0.006 | 0.003 | 0.009 | 0.005 |
Ln (Farm size) | 0.004 | 0.003 | − 0.067 | 0.004 | − 0.007 | 0.001 | 0.006 | 0.034 | 0.010 | 0.006 | 0.010 | 0.006 | 0.015 | 0.005 | − 0.004 | 0.004 | 0.010 | 0.006 |
Ln (Plot to market distance) | 0.012 | 0.005 | − 0.030 | 0.002 | − 0.005 | 0.001 | 0.077 | 0.104 | − 0.017 | 0.007 | − 0.017 | 0.007 | − 0.019 | 0.007 | 0.003 | 0.004 | − 0.017 | 0.007 |
Female head | 0.023 | 0.009 | 1.082 | 0.039 | − 0.012 | 0.003 | 0.259 | 0.144 | 0.062 | 0.025 | 0.062 | 0.025 | − 0.009 | 0.021 | 0.071 | 0.012 | 0.062 | 0.025 |
AE HH Size | − 0.006 | 0.002 | − 0.140 | 0.005 | 0.005 | 0.000 | − 0.087 | 0.032 | 0.001 | 0.003 | 0.001 | 0.003 | − 0.011 | 0.002 | 0.012 | 0.002 | 0.001 | 0.003 |
Modern roof | − 0.043 | 0.015 | − 0.089 | 0.006 | − 0.025 | 0.002 | − 0.276 | 0.407 | 0.014 | 0.015 | 0.014 | 0.015 | − 0.002 | 0.014 | 0.015 | 0.006 | 0.014 | 0.015 |
Concrete cement walls | 0.029 | 0.009 | 0.391 | 0.016 | 0.026 | 0.002 | − 0.112 | 0.139 | 0.088 | 0.017 | 0.088 | 0.017 | 0.056 | 0.015 | 0.030 | 0.011 | 0.088 | 0.017 |
Basic services | − 0.029 | 0.008 | 0.012 | 0.001 | − 0.001 | 0.002 | − 0.060 | 0.106 | − 0.035 | 0.014 | − 0.035 | 0.014 | − 0.015 | 0.012 | − 0.020 | 0.008 | − 0.035 | 0.014 |
Transport cost to district office | − 0.001 | 0.001 | − 0.021 | 0.000 | 0.011 | 0.010 | − 0.001 | 0.001 | − 0.000 | 0.000 | − 0.009 | 0.000 | − 0.001 | 0.000 | − 0.001 | 0.000 | − 0.001 | 0.002 |
HH own bank account | 0.028 | 0.010 | − 1.019 | 0.037 | 0.008 | 0.002 | − 0.255 | 0.175 | − 0.129 | 0.024 | − 0.129 | 0.024 | 0.018 | 0.017 | − 0.146 | 0.018 | − 0.129 | 0.024 |
Received financial assistance | 0.010 | 0.012 | 0.004 | 0.006 | 0.003 | 0.002 | − 0.178 | 0.191 | 0.029 | 0.017 | 0.029 | 0.017 | 0.010 | 0.014 | 0.018 | 0.011 | 0.029 | 0.017 |
Married HH head | 0.034 | 0.011 | 0.635 | 0.028 | − 0.028 | 0.002 | − 0.162 | 0.199 | 0.036 | 0.020 | 0.036 | 0.020 | 0.016 | 0.018 | 0.020 | 0.007 | 0.036 | 0.020 |
Inherited plot | − 0.003 | 0.009 | 0.741 | 0.026 | − 0.005 | 0.002 | 0.025 | 0.168 | 0.014 | 0.015 | 0.014 | 0.015 | − 0.038 | 0.013 | 0.054 | 0.009 | 0.014 | 0.015 |
Ln (Total HH expenditure) | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 |
Land dispute | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 |
Village land certificate | − 0.035 | 0.010 | 1.193 | 0.041 | 0.004 | 0.002 | − 0.232 | 0.162 | − 0.097 | 0.017 | − 0.097 | 0.017 | − 0.043 | 0.015 | − 0.053 | 0.008 | − 0.097 | 0.017 |
Agric. occupation | 0.005 | 0.005 | − 0.006 | 0.001 | 0.021 | 0.003 | − 0.006 | 0.080 | 0.000 | 0.019 | 0.000 | 0.019 | − 0.002 | 0.016 | 0.001 | 0.011 | 0.000 | 0.019 |
Cooperative | 0.037 | 0.017 | − 0.429 | 0.015 | 0.005 | 0.002 | 0.129 | 0.302 | 0.041 | 0.016 | 0.041 | 0.016 | − 0.003 | 0.013 | 0.044 | 0.010 | 0.041 | 0.016 |
Livestock ownership TLU | 0.006 | 0.004 | 0.062 | 0.003 | 0.000 | 0.000 | 0.041 | 0.093 | − 0.005 | 0.002 | − 0.005 | 0.002 | − 0.001 | 0.002 | − 0.004 | 0.001 | − 0.005 | 0.002 |
Own registered company | − 0.018 | 0.016 | − 0.344 | 0.012 | 0.006 | 0.003 | − 0.264 | 0.188 | 0.009 | 0.032 | 0.009 | 0.032 | 0.043 | 0.028 | − 0.034 | 0.017 | 0.009 | 0.032 |
Selection correction terms | ||||||||||||||||||
_m0 | 0.028 | 0.028 | − 0.031 | 0.005 | 0.107 | 0.014 | − 0.033 | 0.410 | − 0.002 | 0.099 | − 0.002 | 0.099 | − 0.010 | 0.085 | 0.007 | 0.059 | − 0.002 | 0.099 |
_m1 | 0.192 | 0.091 | − 2.221 | 0.075 | 0.024 | 0.009 | 0.668 | 1.568 | 0.213 | 0.082 | 0.213 | 0.082 | − 0.016 | 0.066 | 0.229 | 0.054 | 0.213 | 0.082 |
_m2 | 0.030 | 0.022 | 0.319 | 0.014 | − 0.001 | 0.001 | 0.214 | 0.484 | − 0.027 | 0.009 | − 0.027 | 0.009 | − 0.005 | 0.008 | − 0.022 | 0.005 | − 0.027 | 0.009 |
_cons | − 0.273 | 0.068 | 0.501 | 0.032 | − 0.055 | 0.009 | 0.895 | 0.674 | 0.115 | 0.083 | 0.115 | 0.083 | 0.018 | 0.071 | 0.095 | 0.047 | 0.115 | 0.083 |