In rural Kazakhstan, the credit and insurance services are limited and the state support is weak. Therefore, households’ saving is crucial to provide an insurance against the economic and social shocks. The main goal of this study is to contribute to the literature on financial literacy in emerging economies, namely, the effect of financial literacy on saving rates of rural population. Being well educated not always means to be financial literate and make efficient decisions regarding one’s own finance. People with a lower formal education level but with better experience in consuming financial products could be better prepared for making financial decisions including those related to savings. In this paper other socio-economic determinants of saving rates were taken into account, such as an income level, family size and an employment status. This research was carried out in Pavlodar region of Kazakhstan, and the data collection took place in spring 2014. In total, 405 households were surveyed. Results of the analysis show that if a respondent gives at least one correct answer, it positively affects the saving rates as well as one can observe that the higher the financial literacy level, the higher are the saving rates. Availability of state supported financial education programs for rural people will significantly contribute to the financial literacy improvement. At the same time, providing various and appropriate financial products in rural areas will motivate rural people to search for new knowledge and require authorities to intensify activities in this field.

Nitrogen management strategy in plant growth period based on chlorophyll content evaluation in plant can improve nitrogen usage efficiency and reduce environmental contamination. This study is aimed to determine the impact of different nitrogen and sulphur fertilizers rates on dynamics of chlorophyll content in winter wheat during vegetative growth and to determine the relationship between nitrogen and chlorophyll content and grain yield of winter wheat. Field trial involving a winter wheat (Triticum aestivum L.) variety ‘Kranich’ was conducted at the LUA Research and Study Farm Vecauce during a three-year period (2012-2015). The treatments were 0, 85, 153, 175+S21, 175 (in 2015), 187 N kg haE−1 and different nitrogen norms according to chlorophyll meter Yara N-tester (Konica Minolta Ltd.) data: 180, 150, 205 N kg haE−1 depending on the year. The results of the trial show that the maximum chlorophyll content in different plant parts was observed at the end of flowering stage. The chlorophyll content depended on the level of mineral fertilisation. The highest chlorophyll content in leaves, stems and ears was obtained by using additional sulphur in two trial years. Usage of chlorophyll meter Yara N-tester obtained the highest chlorophyll content in all analysed plant parts in one trial year. Chlorophyll content was significantly dependant on plant growth stage in stems in all trial years, in leaves in two trial years, and in ears in one year. Nitrogen fertilization significantly affected chlorophyll content in leaves and stems in one trial year. Close positive correlation was observed between grain yield and wheat plant chlorophyll content and average nitrogen concentration at the end of flowering stage in all three trial years.

Poultry production decision setting is full of risk and imperfect information. Attitude towards risk is a measure of farmers’ willingness to take risks which is an important determinant in their production decisions. Strong social capital emanating from social networks can lead to efficient risk management strategies, thereby minimizing risks faced by the farmers. Therefore, the effects of social capital on the risk attitude of small-scale commercial poultry farmers in Oyo state were assessed. Data were collected from two hundred small-scale farmers and analysed using descriptive and inferential statistics, factorial analysis, multinomial logit and a two-stage least square. Results showed that 52.5%, 37.5% and 10% of the poultry farmers were risk averse, risk neutral and risk preferring, respectively. About 31.4% and 68.6% of the female and male farmers respectively were risk averse. Close to a fifth, a quarter and two-thirds of the risk averse, risk neutral and risk takers respectively contributed 21-30% of the decisions in the associations. Fourteen percent of the farmers belonged to homogeneous groups. The choice of being risk averse was affected by marital status, educational level, family size, percentage spent on poultry income and aggregate social capital. There was no reverse causality between risk attitude and social capital.

In rural Kazakhstan, the credit and insurance services are limited and the state support is weak. The main goal of this study is to contribute to the literature on financial literacy in emerging economies, namely, the effect of financial literacy on saving rates of rural population. Being well educated not always means to be financial literate and make efficient decisions regarding one’s own finance. People with a lower formal education level but with better experience in consuming financial products could be better prepared for making financial decisions including those related to savings. In this paper other socio-economic determinants of saving rates were taken into account, such as an income level, family size and an employment status. This research was carried out in Pavlodar region of Kazakhstan, and the data collection took place in spring 2014. In total, 405 households were surveyed. Results of the analysis show that if a respondent gives at least one correct answer, it positively affects the saving rates as well as one can observe that the higher the financial literacy level, the higher are the saving rates. Availability of state supported financial education programs for rural people will significantly contribute to the financial literacy improvement.