Table 2.

Variables description.

Variable	Coding	Expected sign.	Variable type
Innovativeness (Yi)	0 = low innovative		dependent
	1 = high innovative
Education	Years of schooling	+ or -	independent
Age	Age in years	+ or -	independent
Gender	0 = male; 1 = female	+ or -	independent
Income	0 = below GHS 5000	+ or -	independent
	1 = Above GHS5000