Can Risk-aversion towards fertilizer explain part of the non-adoption puzzle for hybrid maize? Empirical evidence from Malawi

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Climate risk management and rural poverty reduction (2018, background): “…and investment in productive assets (including soil fertility) and improved production technology (Barrett et al., 2004; Dercon, 1996; Fafchamps, 2003; Kebede, 1992; Marra et al., 2003; Rose, 2001; Rosenzweig and Stark, 1989; Dercon and Christiaensen, 2011; Simtowe, 2006; Morris et al., 2007).”
Farm technology adoption in Kenya: a simultaneous estimation of inorganic fertilizer and improved maize variety adoption decisions (2014, unknown): “Negative influence of risk and uncertainty on farm technology adoption has previously been noted by Gerhart (1975), Koundouri et al. (2006) and Simtowe et al. (2006).”
The Impact of Access to Credit on the Adoption of Hybrid Maize in Malawi: An Empirical Test of an Agricultural Household Model under Credit Market Failure (2006, background): “Zeller et al (1998) note that, while 400,000 farmers received credit in 1992 only 34,000 did so in 1994.”