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Table 3 Description of Variables

From: Climate change and financing adaptation by farmers in northern Nigeria

Variables Name

Description

Measurement Scale

Gender

Gender of Respondent

Male = 44.69%,

Female = 55.31%

Edu

Educational Qualification of Respondent

Quranic/primary = 41.56%, Secondary/ post-secondary = 58.44%

HH size

Household Size

Max = 12,

Minimum = 1,

Mean = 5.59

Family Total Income (In a year)

Family Total Income (In Nigerian Naira)

Max = 360,000,

Minimum = 13,000,

Mean = 91,372

% of Farm Income

 

77%

% of Off-Farm Income

 

23%

q13aSaveFI

Savings with Financial Institution

Yes = 20.31%,

No = 79.69%

q13bSaveSC

Membership of a Community Savings Clubs

Yes = 66.56%,

No = 33.44%

q14aBFI

Access to finance (borrowing) from Financial Institution

Yes = 80%,

No = 20%

q14cBFnF

Access to finance (borrowing) from Family and Friends

Yes = 87.5%,

No = 12.5%

InsureAgric

Traditional Crop Insurance

Yes = 22.81%,

No = 77.19%

GovtAgPrgm

Benefit to a Government Agricultural Programme (fertilizers, irrigation, improved seedlings, efforts to mechanize farming)

Yes = 36.56%,

No = 63.44%

Dependent Variable (Income Quintile)

Poorest 20%, Second 20%, Middle 20%, Fourth 20%, & Richest 20%

Poorest 20% = 18.44%,

Second 20% = 20%,

Middle 20% = 20.63%,

Fourth 20% = 20%, &

Richest 20% = 20.94%

  1. Source: Field Survey, 2014