| Personal bank account | Small loan/ microcredit | Financial management behavior | Diversified payment |
Mann-Whitney U | 358.000 | 8924.500 | 8763.000 | 9503.500 |
Wilcoxon Signed-Rank Test | 373.000 | 34124.500 | 26718.000 | 22383.500 |
Z | −2.113 | −0.0229 | −3.100 | −2.873 |
Asymptotic double-tailed | 0.035 | 0.819 | 0.002 | 0.004 |