Explanatory variable

B

S.E.

Wald

P-value

Age (years)

0.002

0.008

0.238

0.812^NS

Sex (1 = male)

0.131

0.103

1.274

0.026**

Duration of involvement in business (years)

−0.028

0.060

−0.474

0.637^NS

Education Level (1 = educated)

−0.065

4.34

−0.872

0.529^NS

Amount contributed (TZS)

0.568

18.02

0.268

0.000***

Nature of business (1 = permanent)

−0.35

3.23

−0.359

0.003**

Monthly income (TZS)

0.739

15.69

1.327

0.000***

Capital (TZS)

0.683

6.16

1.201

0.032**

Constant

0.397

0.570

0.698

0.031**