Skip to main content

Table 4 Description of Variables

From: Estimating the effects of financial access on poor farmers in rural 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: Abraham and Fonta (2018)