Variable

Total Sample

Uptakers

Non-Uptakers

Mean

Std Dev.

Mean

Std Dev.

Mean

Std Dev.

X2 and t-statistic

P-Value

(5% CL)

Sex

1 = Male, 2 = Female

0.51

0.50

0.52

0.5

0.42

0.51

0.7096

0.4

Age

41.3

10.51

40.67

10.53

47.52

8.28

2.7447

0.0066*

Education Level

1 = Formal Education

0 = Do not have

0.70

0.46

0.69

0.46

0.79

0.42

0.7861

0.40

Knowledge of WII

1 = Have

0 = Do not have

0.84

0.37

0.88

0.32

0.42

0.51

26.21

0.000*

Alternative Income

1 = Has alternatice income

0 = otherwise

0.43

0.50

0.39

0.49

0.78

0.42

11.04

0.0008*

Distance to Service Providers of WII

1 = within 50 km

0 = Over 50 km

0.11

0.31

0.10

0.28

0.21

0.42

1.51

0.131

Affordability of WII

1 = Affordable

0 = otherwise

0.37

0.48

0.37

0.48

0.42

0.51

0.22

0.64

Traditoinal Risk Management methods

1 = Diversification’

0 = other

0.79

0.41

0.77

0.43

0.92

0.28

1.60

0.21

Extension Services Frequeny

1 = WII discussed once a month or more

0 = WII never discussed

0.51

0.50

0.52

0.5

0.33

0.49

2.35

0.13