Gikonyo Naomi Wanjiru, Busienei John Rono, Gathiaka John Kamau, Karuku George Njomo
Department of Agricultural Economics, University of Nairobi, P.O. Box 29053-00625, Kangemi, Nairobi, Kenya.
School of Economics, University of Nairobi, P.O. Box 30197-00100, Nairobi, Kenya.
Heliyon. 2022 Jun 9;8(6):e09692. doi: 10.1016/j.heliyon.2022.e09692. eCollection 2022 Jun.
Investments in climate smart agriculture (CSA) are often hampered by inadequate finance. The risks of climate change further scare away private investors from this technology. However, household savings have been established as a key contributor to farm investment in rural households. This study sought to analyze the influence of household savings on adoption of CSA technologies. It utilized descriptive statistics, chi square, Poisson and ordered probit models on a sample of 122 households in its analysis. The findings showed that saving households adopted more CSA technologies compared to non-saving households with the chi square results indicating a statistically significant difference at 1%. In addition, household savings and interest earned on savings increased the likelihood of a household to adopt more than one CSA technology. Thus, increasing household savings is an important strategy for scaling CSA, and community groups through which households channel their savings need strengthening through regular trainings on group management and financial literacy.
对气候智能型农业（CSA）的投资常常因资金不足而受阻。气候变化风险进一步使私人投资者对这项技术望而却步。然而，家庭储蓄已被确认为农村家庭农业投资的关键贡献因素。本研究旨在分析家庭储蓄对采用CSA技术的影响。分析中对122户家庭的样本运用了描述性统计、卡方检验、泊松模型和有序概率单位模型。研究结果表明，与非储蓄家庭相比，储蓄家庭采用了更多的CSA技术，卡方检验结果显示在1%的水平上具有统计学显著差异。此外，家庭储蓄及储蓄所得利息增加了家庭采用不止一种CSA技术的可能性。因此，增加家庭储蓄是扩大CSA规模的一项重要策略，并且需要通过对群体管理和金融知识的定期培训来加强家庭储蓄所通过的社区团体。
