Variable

Defaulters

Non-defaulters

Total (188)

Mean

Difference

t-value

Mean

Std. Dev

Mean

Std. Dev.

Mean

Std. Dev.

Education level

0.58

1.94

7.10

4.11

5.44

4.651

−6.52

−10.572***

Experience in credit

1.23

0.47

2.54

1.06

2.21

1.106

−1.31

−8.283***

Family size

12.46

6.14

9.59

5.43

10.33

5.74

2.87

3.051***

Livestock holding

6.33

3.91

6.81

3.35

6.69

3.5

−0.48

−0.818

Distance from institution

2.41

1.04

0.97

0.78

1.34

1.054

1.43

10.083***