Determinants of credit rationing facing rice farmers
| Variable | Estimated coefficient | Z-value | |
|---|---|---|---|
| C | Constant | 1.1116*** | 3.69 |
| Landvaluei | Value of land (VND million) | –0.0003* | –1.95 |
| Incomei | Income (VND million) | –0.0023** | –2.11 |
| Residencei | Residence in the locality (years) | 0.0004 | 0.09 |
| Agei | Age of household head | –0.0056 | –0.92 |
| Educationi | Schooling of household head (years) | –0.0342** | –2.58 |
| Genderi | Gender of household head (male = 1) | 0.2381* | 1.81 |
| Distancei | Distance to the nearest credit institution (km) | 0.0186*** | 3.16 |
| Positioni | Position of household head (yes = 1) | –0.0466 | –0.49 |
| Experiencei | Number of years engaging in rice production | –0.0058 | –1.25 |
| Number of observations (N) | 1,168 | ||
| Significance level | 0.0000 | ||
| Log likelihood | –625.5982 | ||
| Variable | Estimated coefficient | ||
|---|---|---|---|
| C | 1.1116*** | 3.69 | |
| Landvalue | Value of land (VND million) | –0.0003* | –1.95 |
| Income | Income (VND million) | –0.0023** | –2.11 |
| Residence | Residence in the locality (years) | 0.0004 | 0.09 |
| Age | Age of household head | –0.0056 | –0.92 |
| Education | Schooling of household head (years) | –0.0342** | –2.58 |
| Gender | Gender of household head (male = 1) | 0.2381* | 1.81 |
| Distance | Distance to the nearest credit institution (km) | 0.0186*** | 3.16 |
| Position | Position of household head (yes = 1) | –0.0466 | –0.49 |
| Experience | Number of years engaging in rice production | –0.0058 | –1.25 |
| Number of observations ( | 1,168 | ||
| Significance level | 0.0000 | ||
| Log likelihood | –625.5982 | ||
Note(s): (*), (**) and (***) designate statistical significance at the 10%, 5% and 1%, respectively
Dependent variable: creditrationingi (1 if there is credit rationing and 0 if otherwise)
Source(s): The authors' survey (2015)
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