Predicted probability of the dependent variable

0.447

N = 401

LR X2

101***

Log likelihood Ratio

225

Pseudo R2

0.283

Dep: if MFI participant

(Yes = 1, No = 0)

dy/dx

Std Err.

z-test

p > |z|

95%

C.L.

X

Age of household head in years

0.002

0.003

0.7

0.483

­0.03

0.007

44.15

Formal Education of household head in years

0.023

0.007

3.58

0

0.011

0.036

8.998

If attended seminar (1, 0)

0.209

0.062

3.35

0.001

0.087

0.331

0.249

If head is female (1, 0)

0.161

0.06

2.66

0.008

0.042

0.279

0.641

Hld members below 20 yrs

0.017

0.012

1.4

0.161

0.04

0.007

2.895

Hld members aged 21 - 49 yrs

0.029

0.014

2.06

0.039

0.001

0.056

2.379

Hld members > 50 yrs

0.124

0.038

3.3

0.001

0.19

­0.05

0.688

If own title to land (1, 0)

0.008

0.085

0.09

0.927

0.17

0.159

0.845

If received transfers (1, 0)

0.057

0.058

1.1

0.329

0.17

0.057

0.364

Hrs on off-farm activity/daily

0.139

0.024

5.72

0

0.091

0.186

0.968

If borrowed other credit (1, 0)

0.16

0.06

2.68

0.007

0.043

0.277

0.342

No of Members per group

0.003

0.002

1.4

0.161

0.01

0.001

26.89

Distance to market (km)

0.005

0.003

1.71

0.031

0.01

0.001

4.92

AEZ (Nakuru = 1, Kak = 0)

0.065

0.063

1.02

0.306

0.05

0.189

0.504