Impact of credit on the climate adaptation utilization among food crop farmers in Southwest, Nigeria: application of endogenous treatment Poisson regression model

Agricultural and Food Economics

Table 4 ETPR estimates—impact of credit status on CAS utilization

Variable	Credit status		CAS		IRR
Variable	Coefficient	SE	Coefficient	SE
Credit status			0.488***	0.161	1.629
Education	0.042***	0.004	0.015**	0.007	1.015
Family size	−0.310***	0.092	0.185	0.134	1.203
Gender	−0.022	0.025	−0.017	0.104	0.983
Experience	0.056	0.327	0.035**	0.014	1.036
Age	−0.058***	0.005	0.063**	0.027	1.065
Farm income	1.47e−06***	2.60e−07	2.82e−06**	1.35e−06	1.000
Non-farm income	1.04e−06*	5.71e−07	3.40e−06	6.63e−06	1.000
Extension	−0.209	0.445	0.719***	0.104	2.052
Farm size	0.057**	0.023	0.087***	0.034	1.091
Market distance	−0.428	0.424	−0.091	0.068	0.913
Awareness of climate change	0.020	0.025	0.002	0.005	1.002
Climate information	0.099***	0.035	0.270***	0.025	1.310
Perceived rainfall	−0.428	0.424	−0.236**	0.112	0.790
Perceived temperature	0.051**	0.023	0.181**	0.074	1.198
Possession of collateral	0.228***	0.036
constant	−0.541	1.113	0.926***	0.288
Diagnostic Tests
rho (ρ)	−0.921***	0.047
sigma	0.015	0.021
/athrho	−1.594***	0.309
/lnsigma	−4.206***	1.410
Wald test (ρ = 0)	Chi2(1) = 26.53***
Wald chi2(15)	65.54***
Log pseudolikelihood	−353.344
Matrix of correlation test for IV	0.019 (not significance)
Observations	150