3.1.1 Farmers’ access to agricultural credit (gender disaggregated)

Percentage of farmers, men or women that responded “Yes” to the question: “During the last 12 months, did you personally use a loan or credit for agricultural activities?”

Number of farmers	N	Percentage
Farmers	214	22%
Female	76	20%
Male	138	24%

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Percentage of farmers, from each CSV community who responded “Yes” to the question: “During the last 12 months, did you personally use a loan or credit for agricultural activities?”

CSV community	N	Percentage of farmers
Kasinina	33	27%
Katikara	27	22%
Kibaire	29	24%
Kiranga	31	16%
Kyamongi	29	17%
Mparangasi	37	22%
Nyakakonge	28	29%

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3.1.2 Farmers’ credit sources (gender disaggregated)

Percentage of farmers, men or women who responded the question: “From whom did you personally borrow the money?”

Number of farmers	N	Community Savings group	Cooperative or Microcredit Institution	Family, friends	From a bank (formal credit)	Private lender (informal)
Farmers	46	74%	15%	2%	4%	4%
Female	14	79%	14%	7%	0%	0%
Male	32	72%	16%	0%	6%	6%

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Percentage of men or women how responded the question: “From whom did you personally borrow the money?”

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Percentage of farmers, from each CSV community who responded the question: “From whom did you personally borrow the money?”

CSV community	Credit source	N	Percentage of farmers
Kasinina	Community Savings group	9	89%
	Cooperative or Microcredit Institution		11%
Katikara	Community Savings group	4	25%
	From a bank (formal credit)		50%
	Private lender (informal)		25%
Kibaire	Community Savings group	7	86%
	Private lender (informal)		14%
Kiranga	Community Savings group	5	80%
	Family, friends		20%
Kyamongi	Community Savings group		80%
	Cooperative or Microcredit Institution		20%
Mparangasi	Community Savings group	8	62%
	Cooperative or Microcredit Institution		38%
Nyakakonge	Community Savings group		75%
	Cooperative or Microcredit Institution		25%

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3.1.3 Farmers’ credit types (gender disaggregated)

Percentage of farmers, men or women who answered the question: “Was this loan a short term or long term loan?”

Number of farmers	N	Long-term (more than a year)	Short-term (less than a year)
Farmers	48	42%	58%
Female	15	47%	53%
Male	33	39%	61%

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Percentage of men or women who answered the question: “Was this loan a short term or long term loan?”

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Percentage of farmers, from the different CSV communities who answered the question: “Was this loan a short term or long term loan?”

CSV community	Loan term	N	Percentage of farmers
Kasinina	Long-term (more than a year)	9	44%
	Short-term (less than a year)		56%
Katikara	Long-term (more than a year)	6	50%
	Short-term (less than a year)		50%
Kibaire	Long-term (more than a year)	7	43%
	Short-term (less than a year)		57%
Kiranga	Long-term (more than a year)	5	20%
	Short-term (less than a year)		80%
Kyamongi	Long-term (more than a year)		80%
	Short-term (less than a year)		20%
Mparangasi	Long-term (more than a year)	8	38%
	Short-term (less than a year)		62%
Nyakakonge	Long-term (more than a year)		25%
	Short-term (less than a year)		75%

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3.1.4 Farmers’ credit use

Percentage of farmers that answered the question: “What did you personally use the loan or credit for?”

Number of farmers	N	Other	To change the type crop / livestock grown / raised	To make infrastructure investments	To pay labour time	To purchase management / production inputs
Farmers	47	11%	6%	4%	36%	43%
Female	15	13%	7%	0%	53%	27%
Male	32	9%	6%	6%	28%	50%

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Percentage of men or women that answered the question: “What did you personally use the loan or credit for?”

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Percentage of farmers, from each CSV community who responded “Yes” to the question: “What did you personally use the loan or credit for?”

CSV community	Use of the loan or credit	N	Percentage of farmers
Kasinina	Other	9	22%
	To change the type crop / livestock grown / raised		11%
	To pay labour time		44%
	To purchase management / production inputs		22%
Katikara	Other	5	20%
	To purchase management / production inputs		80%
Kibaire	To change the type crop / livestock grown / raised	7	14%
	To pay labour time		86%
Kiranga	To change the type crop / livestock grown / raised	5	20%
	To purchase management / production inputs		80%
Kyamongi	To make infrastructure investments		20%
	To pay labour time		20%
	To purchase management / production inputs		60%
Mparangasi	Other	8	25%
	To make infrastructure investments		12%
	To pay labour time		38%
	To purchase management / production inputs		25%
Nyakakonge	To pay labour time		38%
	To purchase management / production inputs		62%

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3.1.5 Farmers’ climate driven access to agricultural credit (gender disaggregated)

Percentage of farmers, men or women who answered “Yes” to the question: “Was the purpose of the loan/credit to help recovery from or to be better prepared against a Climate related shock?”

Number of farmers	N	Percentage
Farmers	48	52%
Female	15	67%
Male	33	45%

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Percentage of farmers from each CSV community who responded “Yes” to the question: “Was the purpose of the loan/credit to help recovery from or to be better prepared against a Climate related shock?”

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3.2.1 Farmers’ access to agricultural insurance (gender disaggregated)

Percentage of farmers, men or women, who answered “Yes” to the question: “During the last 12 months, did you personally buy/had/use any insurance to cover damages in crops or animals?”

There were no farmers mentioning that they had or brought any insurance in the monitored period.

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Percentage of farmers, from each CSV community who responded “Yes” to the question: “During the last 12 months, did you personally buy/had/use any insurance to cover damages in crops or animals?”

There were no farmers mentioning that they had or brought any insurance in the monitored period.

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3.2.2 Farmers’ agricultural insurance type

Percentage of farmers, men or women how responded to the question: “What risk was covered by the insurance?”

There were no farmers mentioning that they had or brought any insurance in the monitored period, thus this indicator cannot be established.

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3.2.3 Farmers’ agricultural insurance provider (gender disaggregated)

Percentage of farmers, men or women with agricultural insurance who responded “Yes” to the questions: " Did you buy the insurance from an input dealer or agricultural company? "

There were no farmers mentioning that they had or brought any insurance in the monitored period, thus this indicator cannot be established.

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3.2.4 Farmers’ access to “climate intended” agricultural insurance (gender disaggregated)

Percentage of farmers, men or women how responded to the question: “Was the purpose of the insurance to help recovery from or to be better prepared against a Climate related shock?”

There were no farmers mentioning that they had or brought any insurance in the monitored period, thus this indicator cannot be established.

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3.2.5 Farmers’ access to insurance payouts (gender disaggregated)

Percentage of farmers, men or women, who answered “Yes” to the question: " During the last 12 months, did you receive payouts from the insurance provider? "

There were no farmers mentioning that they had or brought any insurance in the monitored period, thus this indicator cannot be established.

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3.3.1 Farmers’ financial incentives from buyers or input providers (gender disaggregated)

Percentage of men or women farmers who accessed credits, bonus, price subsidies or loans from buyers or providers.

They responded Yes to any of these three questions:

“During the last 12 months, did you personally receive any loans from your buyers, or from your providers of inputs or equipment? Also answer -yes- if you received products -on credit- from them?

and/or

“During the last 12 months, did you personally receive any type of price bonus or price subsidy, to stimulate you to produce in a climate-friendly manner?

and/or

“During the last 12 months, did you personally have a formal delivery contract to sell your products?

Type of incentive	Number of farmers	N	Percentage of farmers
Credits/loans	Female	75	4%
	Male	137	4%
Price bonus or subsidy	Female	77	1%
	Male	137	2%
Formal Contracts	Female	76	4%
	Male	138	7%

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3.4.1 Farmers’ access to agribusiness training (gender disaggregated)

Percentage of men and women farmers that answered “Yes” to the question: “Did you personally receive training on Agri-business development?”

Number of farmers	N	Percentage of farmers
Female	76	26%
Male	137	17%

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3.4.2 Farmers’ agribusiness training source (gender disaggregated)

Percentage of farmers, men or women how responded to the question: “From whom did you personally receive the training?”

Number of farmers	N	Relative, neighbor or expert within the community	Commercial / private company	CCAFS / NARO	Government agricultural extension or Meteorogical office	CIAT/ NOMASI/ CCAFS	Don’t know
Farmers	42	14%	31%	60%	17%	2%	5%

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Percentage of farmers, men or women how answered to the question: “From whom did you personally receive the training?”

Number of farmers	N	Relative, neighbor or expert within the community	Commercial / private company	CCAFS / NARO	Government agricultural extension or Meteorogical office	CIAT/ NOMASI/ CCAFS	Don’t know
Female	20	20%	20%	65%	10%	5%	0%
Male	22	9%	41%	55%	23%	0%	9%

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3.4.3 Access to additional support for agribusiness training

Percentage of farmers, men or women, who answered “Yes” to the question: “Did you receive any other support from that organization?”

There were no farmers who answered the question: Did you receive any other support from that organization?

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3.4.4 Farmers’ access to financial training (gender disaggregated)

Percentage of farmers, men or women, who answered “Yes” to the question: “Did you personally receive training on use of financial products or services?”

Number of farmers	N	Percentage
Farmers	212	20%
Female	76	20%
Male	136	21%

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3.4.5 Farmers’ financial training source (gender disaggregated)

Percentage of farmers, who answered to the question: “From whom did you receive the training?”

Number of farmers	N	Commercial / private company	Government agricultural extension or Meteorogical office	Don’t know	CCAFS / NARO	Relative, neighbor or expert within the community
Farmers	43	53%	30%	9%	14%	21%

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Percentage of men or women farmers who answered to the question: “From whom did you receive the training?”

Number of farmers	N	Commercial / private company	Government agricultural extension or Meteorogical office	Don’t know	CCAFS / NARO	Relative, neighbor or expert within the community
Female	15	40%	13%	13%	20%	27%
Male	28	61%	39%	7%	11%	18%

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