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Financial literacy for farmers – the case of vineyard farmers in Kosovo Cover

Financial literacy for farmers – the case of vineyard farmers in Kosovo

Open Access
|Sep 2023

Figures & Tables

Frequency table for variablesTabelle 4_ Häufigkeitstabelle für Variablen

AlternativesKeep a ledger for expenses and revenuesCalculate the production costs and profit for the main product
Never35.141.4
Rarely14.910.8
Sometimes11.312.6
Often5.05.9
Always33.829.3
Total100.0100.0

Frequency table for variablesTabelle 2_ Häufigkeitstabelle für die Variablen

Household head educationPercentage
No education3.6
Basic42.8
Agricultural high school6.3
Other high schools31.1
University16.2
Total100.0

Spearman's rank correlation tableTabelle 6_ Spearman's Rangkorrelationstabelle

VariablesBookkeeping_scaleCosting_scale
Age0.0490.052
HH_education0.142*0.146*
Vineyards_area0.157*0.227**
Share_income_farming0.193**0.244**
Share_selfconsumption−0.134*−0.181**
Area_wineyard_share0.146*0.226**
Hired_labor0.144*0.171**

Study variablesTabelle 3_ Variablen der Studie

VariableQuestionMeasure of variables
Bookkeeping_scaleDo you keep reccords of expenses and revenues?Ordinal1 = never, 2 = rarely, 3 = sometimes, 4 = often, 5 = always
Calculation_scaleDo you calculate the production costs and profit for the main product?Ordinal1 = never, 2 = rarely, 3 = sometimes, 4 = often, 5 = always
AgeAgeScale
HH_educationHousehold head educationOrdinal1 = no education, 2 = basic, 3 = agricultural high school, 4 = other high school, 5 = university
Vineyards_areaArea planted with grapes in haScale
Share_income_farmingShare of household income that is derived from grape cultivation (%)Scale
Share_self-consumptionShare of total production (grape) destined for self-consumptionScale
Area_wineyard_shareSpecialization (share of area planted with grapes to total farm size) (%)Scale
Hired_laborNumber of working days for hired labor to total number of working days used for vineyard cultivationScale
Contract farming – dummyDo you have a contract with the buyer?Nominal1 = Yes, 2 = No

Sample characteristicsTabelle 1_ Merkmale der Stichprobe

Indicators/variablesMeanStd deviation
Farmers’ (household head) age (years)51.4512.28
Farmers’ (household head) education (years)10.503.53
No. of family adult members (>18 years) (individuals)5.953.51
Area planted with grapes (ha)1.21.1
Share of household income that comes from grape cultivation (%)54.338.8
Share of total production (grape) designated for self-consumption (%)1.45.3
Number of working days for hired labor22,6862,12
Total number of working days used for the vineyard cultivation23,41830,289

Correlation table between keeping notes for expenses and revenues and having a contractTabelle 7_ Korrelationstabelle zwischen dem Führen von Aufzeichnungen über Ausgaben und Einnahmen und dem Bestehen eines Vertrags

Keep a journal for expenses and revenuesTotal

NeverRarelySometimesOftenAlways
With contract6118211068178
34.3%10.1%11.8%5.6%38.2%100.0%

Without contract171541744
38.6%34.1%9.1%2.3%15.9%100.0%

Total7833251175222
35.1%14.9%11.3%5.0%33.8%100.0%

Access training on financial issues (answer to the question: “Have you ever been trained or advised about the calculation of cost and profit?”)Tabelle 5_ Zugang zu Schulungen in Finanzfragen (Antwort auf die Frage: “Wurden Sie jemals in der Berechnung von Kosten und Gewinn geschult oder beraten?”)

AnswerFrequencyPercentage
Yes188.1
No20491.9
Total222100.0
DOI: https://doi.org/10.2478/boku-2023-0002 | Journal eISSN: 2719-5430 | Journal ISSN: 0006-5471
Language: English
Page range: 17 - 25
Submitted on: Apr 26, 2023
Accepted on: Jun 6, 2023
Published on: Sep 1, 2023
Published by: Universität für Bodenkultur Wien
In partnership with: Paradigm Publishing Services
Publication frequency: 4 issues per year

© 2023 Aurora Hoxha, Jona Mulliri, Edmira Shahu, Drini Imami, Edvin Zhllima, Ekrem Gjokaj, published by Universität für Bodenkultur Wien
This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 3.0 License.