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Financial Innovation

Table 3 Investment of Credit in the Agricultural Sector by Farmers Group

From: Credit margin of investment in the agricultural sector and credit fungibility: the case of smallholders of district Shikarpur, Sindh, Pakistan

Investment

Smallholder farmers (n = 55)

Medium & large-scale farmers (n = 32)

t-value

Land preparation

8288.59

22,140.00

13.11***

Seeds

4998.24

15,133.30

8.40***

Chemical fertilizers

6982.45

17,956.67

7.91***

Insecticides

2889.47

3805.00

2.96***

Irrigation

3205.24

8489.96

6.86***

Labour

3803.66

9238.33

10.06***

  1. NB: T-test was applied to test for difference of investment of credit in the agricultural sector by farmer’s group
  2. ***shows significance at P < 0.01
  3. Source: Field survey data, 2016
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