Table 1

Description and measurements of variables

DescriptionMeasurement
Financial inclusion (FI) variables
Ownership of bank accountDummy: 1 = if yes; 0 = otherwise
Ownership of savings accountDummy: 1 = if yes; 0 = otherwise
Access to creditDummy: 1 = if yes; 0 = otherwise
Insurance policyDummy: 1 = if yes; 0 = otherwise
Count of FI variablesDiscrete: 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 headNumber of years
Male headDummy: 1 = if male; 0 = otherwise
Household sizeNumber of people in a household
Married household headDummy: 1 = if married; 0 = otherwise
Educational levelNumber of years spent in school
Employed in agricultureDummy: 1 = if yes; 0 = otherwise
Self-employedDummy: 1 = if yes; 0 = otherwise
Multiple job engagementDummy: 1 = if yes; 0 = otherwise
Receipt of remittanceDummy: 1 = if yes; 0 = otherwise
Ownership of enterpriseDummy: 1 = if yes; 0 = otherwise
Geographic and community-specific characteristics
Head in a rural localityDummy: 1 = if rural; 0 = otherwise
The community has a motorable roadDummy: 1 = if yes; 0 = otherwise
The community has public transportDummy: 1 = if yes; 0 = otherwise
The community has a post officeDummy: 1 = if yes; 0 = otherwise
The community has a phone networkDummy: 1 = if yes; 0 = otherwise
Community has bankDummy: 1 = if yes; 0 = otherwise
The community has a periodic marketDummy: 1 = if yes; 0 = otherwise
Membership in FBO and cooperativesDummy: 1 = if yes; 0 = otherwise
Number of times crops are grown/seasonDummy: 1 = if twice; 0 = otherwise

Note(s): FBO represents farmer-based organisation

Source(s): Own elaboration

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