Type of variables | Variables | Description of variables |
Independent variables | Personal bank accounts | 0 = no, 1 = yes |
Microloans/microcredits | 0 = no, 1 = yes | |
Diversified payments | 0 = cash, 1 = digital | |
Financial management behavior | 0 = no, 1 = yes | |
Financial literacy | 1 = no, 2 = a little bit, 3 = moderate, 4 = familiar, 5 = skilled | |
Dependent variables | Consumption autonomy | 0 = no, 1 = yes |
Participation in major family decisions | 0 = no, 1 = yes | |
Independent judge on marriage and family | 0 = no, 1 = yes | |
Family financial resource control | 0 = no, 1 = yes | |
Traveling freely | 0 = no, 1 = yes | |
Other variables | Age | 1 = <20 years old, 2 = 20 - 30 years old, 3 = 31 - 40 years old, 4 = 41 - 50 years old, 5 = >50 years old |
Marriage | 1 = unmarried, 2 = married, 3 = divorced, 4 = widowed | |
Family size | number of family members | |
Registered residence | 0 = rural, 1 = urban | |
Religious beliefs | 0 = no,1 = yes | |
Education | 1 = none, 2 = elementary, 3 = junior high school, 4 = high school/vocational high school, 5 = college, 6 = bachelor’s degree, 7 = master’s degree and above | |
Average income per month* | 1 = none; 2 = CNY 1570.00 - 2570.00; 3 = CNY 2570.00 - 3570.00; 4 = CNY 3570.00 - 4570.00; 5 = CNY 4570.00 - 5570.00; 6 = CNY 5570.00 or more |