Variables

Description

Variable type

Measurement

Expected sign

SEXHH

Sex of the household

Dummy

1 = Male,0 = Female

±

AGEHH

Age of the household

Continuous

Number of years

+

EDUCHH

Education level of borrower

Categorical

Level of education

+

FAMSIZE

Family size

Continuous

Man equivalent

+

LVSTOCK

Livestock holding

Continuous

TLU

+

DCREDIT

Distance from credit source

Continuous

Walking hours

−

MARITALS

Marital status

Categorical

1 = Single, 2 = Married, 3 = Divorced, 4 = Widowed

−

LSIZE

Loan size

Continuous

Birr

±

TRAINING

Training on credit use

Dummy

1 = Yes, 0 = No

+