Variable	Defaulters		Non-defaulters		Total				χ²-value
Variable	Frequency	%	Frequency	%	Frequency			%	χ²-value
Sex of borrowers
Male	34	70.83	85	60.71	119			63.30	1.58
Female	14	29.17	55	39.29	69			36.70
Total	48	100	140	100	188			100
Marital status
Single	4	8.33	19	13.57		23		12.23
Married	39	81.25	119	85		158		84.04	9.11**
Divorced	1	2.08	0	0		1		0.53
Widowed	4	8.34	2	1.43		6		3.20
Total	48	100	140	100		188		100
Occupation
Pastoral farmers	28	58.33	12	8.57		40		21.28
Petty trader	13	27.08	80	57.14		93		49.47	62.55***
Casual laborer	5	10.43	5	3.57		10		5.32
Employed	1	2.08	32	22.86		33		17.55
Hand crafter	1	2.08	4	2.86		5		2.66
Grocery	0	0	7	5		7		3.72
Total	48	100	140	100		188		100
Loan diversion
Yes	40	83.33	20	14.29		60		31.91
No	8	16.67	120	85.71		128		68.09	78.43***
Total	48	100	140	100		188		100
Access to training
Trained	5	10.42	120	85.71			125	66.49	90.96***
Not trained	43	89.58	20	14.29			63	33.51
Total	48	100	140	100			188	100