Variable Description | Mean (L) | Mean (M) | P > |t| |
Number of active loans | 1.23 | 1.81 | <0.0001 |
Total outstanding amount | 28715.34 | 23668.84 | 0.1850 |
Difference between requirement and loan | 3345.36 | 3684.47 | 0.5330 |
Household size | 4.15 | 4.58 | 0.0216 |
Kind of identity cards | 5.84 | 5.69 | 0.3751 |
Number of identity cards | 7.47 | 13.13 | <0.0001 |
Household condition | 8.47 | 8.74 | 0.4558 |
Household environmental condition | 4.64 | 4.33 | 0.2771 |
Health related conditions | 4.54 | 4.40 | 0.5047 |
Education related conditions | 0.86 | 1.11 | 0.0142 |
Number of earning members | 2.19 | 2.27 | 0.4805 |
Number of female earning members | 0.87 | 0.91 | 0.6085 |
Total annual income of household | 255587.63 | 269747.37 | 0.5505 |
Total annual expenses of household | 168968.09 | 182267.02 | 0.2865 |
Annual food expenses | 66779.38 | 74153.68 | 0.0497 |
Annual education expenses | 14419.15 | 21269.15 | 0.0738 |
Annual healthcare expenses | 21569.89 | 17607.53 | 0.4000 |
Annual house-related expenses | 13386.70 | 12875.74 | 0.6303 |
Annual loan repayment expenses | 28619.38 | 33282.69 | 0.2336 |
Annual other expenses | 21148.94 | 21136.56 | 0.9949 |
Different financial products availed | 2.11 | 2.38 | 0.0295 |
Health problems faced in past 2 years | 1.47 | 1.57 | 0.6614 |
Healthcare costs in past 2 years | 13212.37 | 11192.63 | 0.6231 |
Household members currently studying | 1.27 | 1.71 | 0.0041 |
Annual cost of education | 14674.23 | 22193.68 | 0.0349 |
Members who left education mid-way | 0.35 | 0.19 | 0.0567 |
Total social support expected | 17520.62 | 20905.26 | 0.0181 |
Improvement in social dynamics | 5.35 | 6.80 | 0.0014 |