Variables

Savers N = (172)

Non-savers = (155)

t-value

Mean

Std. Dev.

Mean

Std. Dev

Age

34.64

8.50

34.16

8.01

−0.5

Education Level

3.63

2.97

2.38

2.60

4.03***

Family size

5.97

2.16

5.55

1.73

−1.90*

Land Size ownership

2.67

1.62

2.62

1.31

−0.27

Distance to Market

13.88

3.58

13.91

3.64

0.08

Annual Expenditure

14,632.20

9681.54

9572.09

7401.32

5.75***

Annual Income

10,289.53

18,192.42

13,196.13

14,770.33

5.56***

Livestock ownership

6.89

3.44

4.95

3.50

5.04***

DFFI

10.67

5.72

9.95

5.61

1.15