Description and measurements of variables
| Description | Measurement |
|---|---|
| Financial inclusion (FI) variables | |
| Ownership of bank account | Dummy: 1 = if yes; 0 = otherwise |
| Ownership of savings account | Dummy: 1 = if yes; 0 = otherwise |
| Access to credit | Dummy: 1 = if yes; 0 = otherwise |
| Insurance policy | Dummy: 1 = if yes; 0 = otherwise |
| Count of FI variables | Discrete: 4 = use of all four FI variables; 3 = use of any three variables; 2 = use of any two variables; 1 = use of any one variable; 0 = no use of any variable |
| Socioeconomic characteristics | |
| Age of household head | Number of years |
| Male head | Dummy: 1 = if male; 0 = otherwise |
| Household size | Number of people in a household |
| Married household head | Dummy: 1 = if married; 0 = otherwise |
| Educational level | Number of years spent in school |
| Employed in agriculture | Dummy: 1 = if yes; 0 = otherwise |
| Self-employed | Dummy: 1 = if yes; 0 = otherwise |
| Multiple job engagement | Dummy: 1 = if yes; 0 = otherwise |
| Receipt of remittance | Dummy: 1 = if yes; 0 = otherwise |
| Ownership of enterprise | Dummy: 1 = if yes; 0 = otherwise |
| Geographic and community-specific characteristics | |
| Head in a rural locality | Dummy: 1 = if rural; 0 = otherwise |
| The community has a motorable road | Dummy: 1 = if yes; 0 = otherwise |
| The community has public transport | Dummy: 1 = if yes; 0 = otherwise |
| The community has a post office | Dummy: 1 = if yes; 0 = otherwise |
| The community has a phone network | Dummy: 1 = if yes; 0 = otherwise |
| Community has bank | Dummy: 1 = if yes; 0 = otherwise |
| The community has a periodic market | Dummy: 1 = if yes; 0 = otherwise |
| Membership in FBO and cooperatives | Dummy: 1 = if yes; 0 = otherwise |
| Number of times crops are grown/season | Dummy: 1 = if twice; 0 = otherwise |
| Description | Measurement |
|---|---|
| Ownership of bank account | Dummy: 1 = if yes; 0 = otherwise |
| Ownership of savings account | Dummy: 1 = if yes; 0 = otherwise |
| Access to credit | Dummy: 1 = if yes; 0 = otherwise |
| Insurance policy | Dummy: 1 = if yes; 0 = otherwise |
| Count of FI variables | Discrete: 4 = use of all four FI variables; 3 = use of any three variables; 2 = use of any two variables; 1 = use of any one variable; 0 = no use of any variable |
| Age of household head | Number of years |
| Male head | Dummy: 1 = if male; 0 = otherwise |
| Household size | Number of people in a household |
| Married household head | Dummy: 1 = if married; 0 = otherwise |
| Educational level | Number of years spent in school |
| Employed in agriculture | Dummy: 1 = if yes; 0 = otherwise |
| Self-employed | Dummy: 1 = if yes; 0 = otherwise |
| Multiple job engagement | Dummy: 1 = if yes; 0 = otherwise |
| Receipt of remittance | Dummy: 1 = if yes; 0 = otherwise |
| Ownership of enterprise | Dummy: 1 = if yes; 0 = otherwise |
| Head in a rural locality | Dummy: 1 = if rural; 0 = otherwise |
| The community has a motorable road | Dummy: 1 = if yes; 0 = otherwise |
| The community has public transport | Dummy: 1 = if yes; 0 = otherwise |
| The community has a post office | Dummy: 1 = if yes; 0 = otherwise |
| The community has a phone network | Dummy: 1 = if yes; 0 = otherwise |
| Community has bank | Dummy: 1 = if yes; 0 = otherwise |
| The community has a periodic market | Dummy: 1 = if yes; 0 = otherwise |
| Membership in FBO and cooperatives | Dummy: 1 = if yes; 0 = otherwise |
| Number of times crops are grown/season | Dummy: 1 = if twice; 0 = otherwise |
Note(s): FBO represents farmer-based organisation
Source(s): Own elaboration
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