Variables			Saving Status		Total	Chi square
Variables			Non savers	Savers	Total	Chi square
Sex	Female	N	39	23	62	7.37***
	Female	(%)	25.16	13.37	18.96
	Male	N	116	149	265
	Male	%	74.84	86.63	81.04
Access to Credit	Yes	N	20	76	96	38.47***
	Yes	%	12.9	44.19	29.36
	No	N	135	96	231
	No	%	87.1	55.81	70.64