| Factor | Coefficient (B) | Std. Error | T-Value | P-Value |
| (Constant)
| 1507.633 | 263.195 | 5.728 | 0.000 |
| POOR HH | 29.098 | 148.552 | 0.196 | 0.845 |
| MEDIUM HH | 114.788 | 128.860 | 0.891 | 0.374 |
| TIGRAY | −1016.747 | 103.346 | −9.838 | 0.000*** |
| AMARA | −771.470 | 107.603 | −7.170 | 0.000*** |
| Gender of HHH | −26.420 | 110.922 | −0.238 | 0.812 |
| Age of HHH | 0.948 | 2.523 | 0.376 | 0.707 |
| Education Level | 58.998 | 71.075 | 0.830 | 0.407 |
| Family Size HH | 40.554 | 15.369 | 2.639 | 0.009** |
| TLU | −2.386 | 2.841 | −0.840 | 0.402 |
| L Holding | −7.851 | 20.320 | −0.386 | 0.699 |
| Access to Credit | −15.055 | 69.908 | −0.215 | 0.830 |
| Member of COOP | 965.139 | 70.141 | 13.760 | 0.000*** |
| DISTRESO(km) | −7.394 | 2.326 | −3.179 | 0.002** |
| DISMAKT(km) | 2.305 | 1.255 | 1.837 | 0.067 |