Table 9 Determinants of credit sources choice for corn farmers in Bacnotan, La Union

Variables	Private lending	Microfinance institutions	Cooperative	Banks
Constant	-17.264*	-9.545*	-18.881*	-118.291*
Farm income (PHP)	0.00003*	3.910	8.400	-0.00004*
Gender	1.642	0.602	0.809	19.193*
Age (years)	0.111*	-0.021	0.071*	-0.073
Farm experience (years)	0.071	0.048	-0.056	0.194*
Household size	0.165	-0.044	-0.062	10.421*
Loan duration (months)	0.467	1.008**	1.108*	1.676*
Government program beneficiary	0.143	1.172	0.888	-5.059*
Farm expenditure	-0.0001*	9.770	0.00001	0.0002*
Interest rate (%)	139.532*	69.870**	197.142*	20.931

Note: 1) Neighbor or relative is the base outcome.
2) Indicates significance a tα=1%,
indicates significance at α=5%,
indicates significance at α=10%.