Impact of COVID-19 on the finance sources of women in the agricultural sector: the case of Kosovo

Figures & data

Table 1. General data of women farmers in the Mitrovica region

Variables	Frequence	Percentage
Farm size (hectares) 0.2–1.0 ha 1.1–2.0 ha 2.1–3.0 ha Over 3.0 ha	89 38 18 1	61% 26% 12.32% 0.68%
Min = 0.2 Max = 24 Average = 0.7
Experience (years) 0–10 years 11–20 years Over 20 years	76 33 37	52.06% 22.60% 25.34%
Min = 1 vit Max = 41 vite Average = 8.33 vite
Age 18–40 years old 41–60 years old Over 60	88 42 16	60.27% 28.77% 10.96%
Min = 19 Max = 96 Average = 40.2
Level of education (years) 0–4 years 5–8 years 9–12 years Over 12 years	13 46 43 44	8.9% 31.51% 29.45% 30.14%
Min = 0 Max = 17 Average = 11
Number of family members 1–5 members 6–10 members over 10 members	58 80 8	39.73% 54.8% 5.47%
Min = 3 Max = 15 Average = 6.3

Source: Calculation by the author

Table 2. Assessment of the extent of funding sources of women farmers

Types of funding	Very high (5)	High (4)	Average (3)	Low (2)	Very low (1)	Total	The average
Family savings	12 1.84%	328 50.4%	163 25.05%	112 17.20%	36 5.5%	651	4.46
Grants - Subsidies	8 1.55%	140 27.13%	190 36.82%	120 23.25%	58 11.24%	516	3.53
Loans	38 8.52%	58 13%	112 25.11%	180 40.36%	58 13%	446	3.05
Borrowing from family members	18 4.56%	63 15.94%	85 21.51%	52 13.16%	177 44.81%	395	2.7

Source: Calculation by the author. Rule 3.0 and above = Access to finance, Rule ˂ 3.0 = No access to finance

Table 3. Probit estimates of the binary regression of factors influencing women farmers’ access to sources of finance

Variables	Estimated coefficients	Standard error	Z raports	P> IzI
Constant	0.0695	0.4422	0.11	0.442
Age	−0.1362*	0.0087	−1.60	0.109
Level of education	0.0634***	0.0183	2.91	0.004
Experience in agriculture	−0.1244*	0.0143	2.41	0.002
Farm size	−0.1337	** 0.7220	−2.12	0.015
Interest	0.1419	0.0540	0.63	0.009
Grace period	0.1419	0.0540	0.63	0.009
Equity	0.2121*	0.2131	1.50	0.311
Gross annual income	5.31e-02**	4.23e-04	2.10	0.020
Log likelihood	−105.2278
Chi2	28.06
R2	0.1213
Prediction accuracy (%)	73.3

Source: Calculation by the author. ***, **, * Significant at 1.0%, 5.0% and 10.0%.