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Table 2 Marginal Effects (Ordered Logit Model)

From: Estimating the effects of financial access on poor farmers in rural northern Nigeria

Variable Poorest 20% 2nd 20% 3rd 20% 4th 20% Richest 20%
Age −0.0097 (0.377) −0.0064 (0.38) −0.0002 (0.802) 0.0057 (0.38) 0.0106 (0.377)
Gender 0.0824 (0.004) 0.05539 (0.007) 0.0036 (0.59) −0.047 (0.007) −0.0934 (0.005)
Education −0.1791 (0.23) −0.01189 (0.238) − 0.00037 (0.798) 0.0106 (0.236) 0.01955 (0.23)
HH Size −0.0113 (0.092) −0.0075 (0.10) − 0.00023 (0.795) 0.0067 (0.101) 0.01238 (0.091)
Asset (Land Size) 0.0203 (0.295) 0.0135 (0.299) 0.0004 (0.799) −0.012 (0.299) −0.02219 (0.295)
Savings Financial Institution −0.0278 (0.313) −0.01846 (0.317) − 0.00057 (0.802) 0.0165 (0.319) 0.03035 (0.313)
Membership of Community Savings Club 0.06418 (0.009) 0.04262 (0.013) 0.00133 (0.795) −0.03808 (0.014) −0.07005 (0.008)
Borrowing from Financial Institution 0.04933 (0.037) 0.03276 (0.044) 0.00102 (0.794) −0.02927 (0.045) −0.05384 (0.035)
Borrowing from Family and Friend −0.02939 (0.435) −0.0195 (0.437) − 0.00006 (0.804) 0.0174 (0.438) 0.03208 (0.435)
Ownership of Traditional Crop Insurance −0.1227 (0.001) −0.0815 (0.002) − 0.0025 (0.794) 0.0728 (0.003) 0.1339 (0.001)
Benefited from a Govt Agric Prgrm −0.0629 (0.056) −0.0418 (0.064) − 0.0013 (0.796) 0.0373 (0.066) 0.0687 (0.055)
  1. Source: Authors Estimation using Field Survey Data (2014)
  2. Note: Figures in parentheses are p-values; Dependent Variable Income Quintile