Table 3

Effects of financial inclusion (SAVE) on agricultural productivity – instrumental variable estimation

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Financial inclusion (SAVE)0.524** (0.233)0.735** (0.300)0.521** (0.240)0.826** (0.331)0.923*** (0.354)
Household net worth −0.045*** (0.015)  −0.045*** (0.014)
Household consumption −0.007 (0.093)  0.018 (0.091)
Household size 0.009 (0.007)  0.004 (0.007)
Urban dweller −0.088 (0.087)  −0.086 (0.086)
Islam adherent 0.002 (0.061)  −0.051 (0.062)
Traditional adherent −0.021 (0.157)  −0.112 (0.153)
Remittance received 0.017 (0.091)  0.013 (0.093)
Household head age   −0.0005 (0.001)−0.0005 (0.001)
Household head is female   −0.148*** (0.044)−0.175*** (0.053)
Household head education: years   −0.022** (0.009)−0.030*** (0.009)
Household head is a worker   −0.332*** (0.110) 
Household head is a farmer   0.054 (0.046) 
Household head is an entrepreneur   −0.023 (0.036) 
Herbicide use  0.052 (0.052) 0.032 (0.057)
Pesticide use  0.064 (0.043) 0.065 (0.044)
Fertiliser use  0.012 (0.056) 0.003 (0.051)
Observations66046366660466006362
Hansen J statistics: p-value0.7420.4680.7000.6700.475

Note(s): Instrument used: Did the household make use of the Internet for Internet banking? Is there bank within the community, which is the enumeration area?

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