Income

0.121***

(0.0139)

Age range

[18 - 25[

Réf

[25 - 35[

0.0473

(0.0652)

[35 - 65]

0.115*

(0.0652)

Level of education

No level/Primary

Réf

Secondary 1

−0.0320

(0.0736)

Secondary 2

0.158**

(0.0692)

Superior

0.123*

(0.0742)

Marital status

Single

Réf

Married

0.0662*

(0.0363)

Divorced/widowed

−0.0312

(0.0925)

Sex

Male

Réf

Female

0.0484

(0.0339)

Fewer guarantees required

No

Réf

yes

0.0826*

(0.0427)

Having a mobile money account

No

Réf

yes

0.0765

(0.0473)

Diversity of products offered

No

Réf

yes

−0.0141

(0.0431)

Number of observations

Wald chi² (14)

Prob > chi²

Pseudo R²

Log Pseudolikelihood

543

−152.18

0.0000

0.3754

−229.42116