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