Personal bank account

Small loan/ microcredit

Financial management behavior

Diversified payment

Mann-Whitney U

358.000

8924.500

8763.000

9503.500

Wilcoxon Signed-Rank Test

373.000

34124.500

26718.000

22383.500

Z

−2.113

−0.0229

−3.100

−2.873

Asymptotic double-tailed

0.035

0.819

0.002

0.004