Variables

Coef.

Std. Err.

T

P > t

Sex of the households

0.2908

0.1215

2.39

0.017**

Age of the households

0.0057

0.0054

1.06

0.289

Education level of the households

0.0570

0.0173

3.29

0.001***

Household family size

−0.0757

0.0235

−3.22

0.001***

Land size owned

−0.0095

0.0307

−0.31

0.758

Access to Credit

0.4878

0.1026

4.75

0.000***

Distance to Market

−0.0157

0.0128

−1.23

0.221

Annual expenditure

−0.0000

0.0000

2.13

0.034**

Annual income

0.0000

0.0000

2.56

0.011**

Livestock Owned

0.0406

0.0134

3.03

0.003***

Distance from financial institution

−0.0157

0.0081

−1.93

0.054*

Constant

−1.4855

0.3650

−4.07

0.000

Sigma

0.7129

0.0438