| Variable | Coefficient | Robust Std. Error | Marginal Effect | Prob. value |
| AGE | 0.4467 | 0.3145 | 0.1113 | 0.156 |
| SEX (Female) |
|
|
|
|
| Male | 0.2776 | 0.1684 | 0.0691 | 0.099 |
| MAST (Other) |
|
|
|
|
| Married | −0.3717 | 0.1841 | 0.0926 | 0.044 |
| EDUCATION |
|
|
|
|
| None | 1.4745 | 0.4784 | 0.3311 | 0.002 |
| Primary/JHS | 0.0862 | 0.2934 | 0.0215 | 0.769 |
| Secondary | 0.3881 | 0.2114 | 0.0967 | 0.066 |
| HHS | −1.3203 | 0.6965 | −0.0329 | 0.058 |
| MINC (GHS200 and below) |
|
|
|
|
| GHS201.00-GHS400.00 | −15.3125 | 0.5455 | −0.8552 | 0.000 |
| GHS401.00-GHS600.00 | −15.2150 | 0.5215 | −0.9154 | 0.000 |
| GHS601.00-GHS800.00 | −14.9825 | 0.5212 | −0.8871 | 0.000 |
| GHS801.00-GHS1000.00 | −14.5709 | 0.5162 | −0.9713 | 0.000 |
| GHS1001.00 and above | −15.0539 | 0.5230 | −0.9887 | 0.000 |
| DIV (No) |
|
|
|
|
| Yes | 1.1937 | 0.1854 | 0.2895 | 0.000 |
| MONIT (No) |
|
|
|
|
| Yes | 0.3767 | 0.1874 | 0.0932 | 0.044 |
| Constant | 12.7101 | 1.0912 | - | 0.000 |
| Number of observation = 244 Prob > Chi-square = 0.0000 Wald Chi-square (14) = 1164.79 Pseudo R2 = 0.1015 | ||||