Factors

Coefficient (β)

Robust standard error

Z

P > z

Exponential (β)

Marginal effect

VIF

Gender

0.227

0.263

0.86

0.388

1.255

0.052

2.62

Age

−0.006

0.006

−1.13

0.260

0.994

−0.002

2.48

Marital Status

−0.197

0.263

−0.75

0.454

0.821

−0.047

1.36

Household Size

0.006

0.030

0.20

0.841

1.001

0.001

1.25

Education

0.711

0.138

5.14

0.000

2.036

0.166

1.24

Poverty Status

−1.334

0.131

−10.22

0.000

0.263

−0.309

1.21

Location

0.004

0.003

1.15

0.250

1.004

0.001

1.12

Enterprise Age

0.009

0.008

1.12

0.263

1.009

0.002

1.05

Sector

−0.223

0.206

−1.08

0.279

0.800

−0.053

1.01

Constant

0.176

0.351

0.50

0.616

1.192

Number of Observations

1234

Wald Chi-square (9)

190.0

Prob > Chi-square

0.000

Pseudo R²

0.115

Log Likelihood

−730.077