Difference of summary statistics between those who accessed credit,
denied, or did not apply
##
## --------Summary descriptives table by 'credit2'---------
##
## ___________________________________________________________________________________________________
## accessed Denied Did not apply p.overall
## N=320 N=200 N=3435
## ¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯
## loan_reason: .
## 0 0 (0.00%) 0 (0.00%) 3435 (100%)
## Purchase land 3 (0.94%) 0 (0.00%) 0 (0.00%)
## Purchase inputs for food crops 40 (12.5%) 9 (4.50%) 0 (0.00%)
## Purchase inputs for tobacco 3 (0.94%) 1 (0.50%) 0 (0.00%)
## Purchase inputs for other cash crops 10 (3.12%) 7 (3.50%) 0 (0.00%)
## Business start_up capital 54 (16.9%) 26 (13.0%) 0 (0.00%)
## Purchase non-farm inputs 7 (2.19%) 4 (2.00%) 0 (0.00%)
## Food consumption 154 (48.1%) 121 (60.5%) 0 (0.00%)
## School fees 12 (3.75%) 5 (2.50%) 0 (0.00%)
## Other 37 (11.6%) 27 (13.5%) 0 (0.00%)
## district_label: <0.001
## Balaka 17 (5.31%) 12 (6.00%) 339 (9.87%)
## Chikwawa 68 (21.2%) 31 (15.5%) 294 (8.56%)
## Chiradzulu 19 (5.94%) 11 (5.50%) 354 (10.3%)
## Machinga 70 (21.9%) 32 (16.0%) 330 (9.61%)
## Mangochi 14 (4.38%) 6 (3.00%) 372 (10.8%)
## Mulanje 19 (5.94%) 14 (7.00%) 399 (11.6%)
## Nsanje 34 (10.6%) 47 (23.5%) 352 (10.2%)
## Phalombe 26 (8.12%) 16 (8.00%) 313 (9.11%)
## Thyolo 29 (9.06%) 19 (9.50%) 377 (11.0%)
## Zomba 24 (7.50%) 12 (6.00%) 305 (8.88%)
## poor 0.49 (0.50) 0.59 (0.49) 0.49 (0.50) 0.031
## RECODE of q32_savings_any (q32_savings_any): <0.001
## No 149 (46.6%) 175 (87.5%) 3058 (89.0%)
## Yes 171 (53.4%) 25 (12.5%) 377 (11.0%)
## shock 0.68 (0.47) 0.82 (0.38) 0.68 (0.47) <0.001
## HHSscore 1.32 (1.34) 1.83 (1.30) 1.55 (1.47) <0.001
## hh_size 5.88 (2.18) 5.79 (2.33) 5.04 (2.17) <0.001
## Age of hh head 43.1 (15.0) 43.8 (15.7) 43.2 (16.9) 0.878
## Female head 0.33 (0.47) 0.34 (0.48) 0.38 (0.49) 0.169
## Head has any formal education: 0.347
## No 52 (16.2%) 32 (16.0%) 646 (18.8%)
## Yes 268 (83.8%) 168 (84.0%) 2789 (81.2%)
## q54a_cattle_owned 0.20 (0.95) 0.34 (2.43) 0.09 (0.70) <0.001
## q54b_sheep_owned 0.03 (0.48) 0.00 (0.07) 0.02 (0.30) 0.535
## q54c_goats_owned 0.80 (2.26) 0.50 (1.49) 0.51 (1.56) 0.010
## q54d_pigs_owned 0.17 (0.83) 0.17 (1.47) 0.12 (0.75) 0.364
## q54e_chickens_owned 1.73 (3.24) 1.36 (2.71) 1.20 (5.04) 0.168
## q54f_poultry_owned 0.70 (5.82) 0.70 (3.18) 0.40 (2.69) 0.113
## Collected firewood 0.87 (0.34) 0.86 (0.34) 0.89 (0.32) 0.466
## Purchased firewood 0.03 (0.16) 0.04 (0.20) 0.04 (0.19) 0.570
## Charcoal 0.08 (0.27) 0.06 (0.24) 0.06 (0.24) 0.328
## Crop residues 0.01 (0.08) 0.03 (0.16) 0.01 (0.12) 0.206
## s13_bed: 0.463
## Does not own 241 (75.3%) 160 (80.0%) 2640 (76.9%)
## Owns 79 (24.7%) 40 (20.0%) 795 (23.1%)
## s14_radio_wireless: 0.332
## Does not own 195 (60.9%) 134 (67.0%) 2211 (64.4%)
## Owns 125 (39.1%) 66 (33.0%) 1224 (35.6%)
## s19_iron: 0.086
## Does not own 279 (87.2%) 183 (91.5%) 3122 (90.9%)
## Owns 41 (12.8%) 17 (8.50%) 313 (9.11%)
## s22_bicycle: 0.004
## Does not own 159 (49.7%) 123 (61.5%) 2024 (58.9%)
## Owns 161 (50.3%) 77 (38.5%) 1411 (41.1%)
## form.assets.s14_table: 0.264
## Does not own 240 (75.0%) 162 (81.0%) 2676 (77.9%)
## Owns 80 (25.0%) 38 (19.0%) 759 (22.1%)
## Crop Farming 0.44 (0.50) 0.48 (0.50) 0.43 (0.49) 0.419
## Fishing 0.02 (0.14) 0.03 (0.16) 0.01 (0.11) 0.295
## Livestock Farming 0.07 (0.26) 0.04 (0.20) 0.05 (0.21) 0.085
## Piece Work 0.69 (0.46) 0.82 (0.39) 0.66 (0.47) <0.001
## Salaried Employment 0.07 (0.25) 0.04 (0.18) 0.03 (0.18) 0.021
## Business 0.31 (0.46) 0.17 (0.38) 0.21 (0.41) <0.001
## Foreign Remittances 0.01 (0.10) 0.00 (0.07) 0.01 (0.10) 0.787
## Domestic Remittances 0.01 (0.11) 0.00 (0.00) 0.01 (0.12) 0.249
## Transfers(pension,allowances,SocialSecurity) 0.01 (0.11) 0.00 (0.07) 0.01 (0.08) 0.344
## Aid/Assistance(UN,NGO) 0.00 (0.06) 0.00 (0.07) 0.01 (0.12) 0.154
## dex_econs 126323 (76431) 113438 (58089) 134383 (88321) 0.001
## ¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯
Difference of summary statistics between those who applied for food
consumption and those who applied for other reason and those who did not
apply
##
## --------Summary descriptives table by 'reason'---------
##
## _____________________________________________________________________________________________________
## Did not apply Food consumption Other reason p.overall
## N=3435 N=275 N=245
## ¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯
## credit2: 0.000
## accessed 0 (0.00%) 154 (56.0%) 166 (67.8%)
## Denied 0 (0.00%) 121 (44.0%) 79 (32.2%)
## Did not apply 3435 (100%) 0 (0.00%) 0 (0.00%)
## loan_reason: .
## 0 3435 (100%) 0 (0.00%) 0 (0.00%)
## Purchase land 0 (0.00%) 0 (0.00%) 3 (1.22%)
## Purchase inputs for food crops 0 (0.00%) 0 (0.00%) 49 (20.0%)
## Purchase inputs for tobacco 0 (0.00%) 0 (0.00%) 4 (1.63%)
## Purchase inputs for other cash crops 0 (0.00%) 0 (0.00%) 17 (6.94%)
## Business start_up capital 0 (0.00%) 0 (0.00%) 80 (32.7%)
## Purchase non-farm inputs 0 (0.00%) 0 (0.00%) 11 (4.49%)
## Food consumption 0 (0.00%) 275 (100%) 0 (0.00%)
## School fees 0 (0.00%) 0 (0.00%) 17 (6.94%)
## Other 0 (0.00%) 0 (0.00%) 64 (26.1%)
## district_label: <0.001
## Balaka 339 (9.87%) 17 (6.18%) 12 (4.90%)
## Chikwawa 294 (8.56%) 61 (22.2%) 38 (15.5%)
## Chiradzulu 354 (10.3%) 17 (6.18%) 13 (5.31%)
## Machinga 330 (9.61%) 60 (21.8%) 42 (17.1%)
## Mangochi 372 (10.8%) 6 (2.18%) 14 (5.71%)
## Mulanje 399 (11.6%) 12 (4.36%) 21 (8.57%)
## Nsanje 352 (10.2%) 47 (17.1%) 34 (13.9%)
## Phalombe 313 (9.11%) 15 (5.45%) 27 (11.0%)
## Thyolo 377 (11.0%) 28 (10.2%) 20 (8.16%)
## Zomba 305 (8.88%) 12 (4.36%) 24 (9.80%)
## poor 0.49 (0.50) 0.56 (0.50) 0.49 (0.50) 0.114
## RECODE of q32_savings_any (q32_savings_any): <0.001
## No 3058 (89.0%) 190 (69.1%) 134 (54.7%)
## Yes 377 (11.0%) 85 (30.9%) 111 (45.3%)
## shock 0.68 (0.47) 0.80 (0.40) 0.66 (0.48) <0.001
## HHSscore 1.55 (1.47) 1.76 (1.31) 1.25 (1.33) <0.001
## hh_size 5.04 (2.17) 5.87 (2.28) 5.81 (2.19) <0.001
## Age of hh head 43.2 (16.9) 44.0 (16.2) 42.7 (14.2) 0.663
## Female head 0.38 (0.49) 0.36 (0.48) 0.31 (0.47) 0.098
## Head has any formal education: 0.115
## No 646 (18.8%) 51 (18.5%) 33 (13.5%)
## Yes 2789 (81.2%) 224 (81.5%) 212 (86.5%)
## q54a_cattle_owned 0.09 (0.70) 0.24 (1.99) 0.27 (1.25) <0.001
## q54b_sheep_owned 0.02 (0.30) 0.00 (0.00) 0.05 (0.55) 0.188
## q54c_goats_owned 0.51 (1.56) 0.63 (1.78) 0.74 (2.23) 0.060
## q54d_pigs_owned 0.12 (0.75) 0.08 (0.42) 0.28 (1.56) 0.006
## q54e_chickens_owned 1.20 (5.04) 1.27 (2.45) 1.95 (3.58) 0.065
## q54f_poultry_owned 0.40 (2.69) 0.48 (2.38) 0.95 (6.79) 0.025
## Collected firewood 0.89 (0.32) 0.88 (0.33) 0.85 (0.35) 0.297
## Purchased firewood 0.04 (0.19) 0.04 (0.19) 0.02 (0.15) 0.656
## Charcoal 0.06 (0.24) 0.05 (0.22) 0.10 (0.30) 0.045
## Crop residues 0.01 (0.12) 0.02 (0.15) 0.00 (0.06) 0.225
## s13_bed: <0.001
## Does not own 2640 (76.9%) 231 (84.0%) 170 (69.4%)
## Owns 795 (23.1%) 44 (16.0%) 75 (30.6%)
## s14_radio_wireless: 0.004
## Does not own 2211 (64.4%) 192 (69.8%) 137 (55.9%)
## Owns 1224 (35.6%) 83 (30.2%) 108 (44.1%)
## s19_iron: <0.001
## Does not own 3122 (90.9%) 258 (93.8%) 204 (83.3%)
## Owns 313 (9.11%) 17 (6.18%) 41 (16.7%)
## s22_bicycle: 0.001
## Does not own 2024 (58.9%) 166 (60.4%) 116 (47.3%)
## Owns 1411 (41.1%) 109 (39.6%) 129 (52.7%)
## form.assets.s14_table: 0.009
## Does not own 2676 (77.9%) 227 (82.5%) 175 (71.4%)
## Owns 759 (22.1%) 48 (17.5%) 70 (28.6%)
## Crop Farming 0.43 (0.49) 0.45 (0.50) 0.46 (0.50) 0.582
## Fishing 0.01 (0.11) 0.01 (0.10) 0.03 (0.18) 0.039
## Livestock Farming 0.05 (0.21) 0.04 (0.20) 0.09 (0.28) 0.024
## Piece Work 0.66 (0.47) 0.82 (0.39) 0.65 (0.48) <0.001
## Salaried Employment 0.03 (0.18) 0.03 (0.16) 0.09 (0.28) <0.001
## Business 0.21 (0.41) 0.19 (0.40) 0.33 (0.47) <0.001
## Foreign Remittances 0.01 (0.10) 0.01 (0.10) 0.00 (0.06) 0.649
## Domestic Remittances 0.01 (0.12) 0.00 (0.00) 0.02 (0.13) 0.136
## Transfers(pension,allowances,SocialSecurity) 0.01 (0.08) 0.00 (0.06) 0.02 (0.13) 0.113
## Aid/Assistance(UN,NGO) 0.01 (0.12) 0.00 (0.06) 0.00 (0.06) 0.156
## dex_econs 134383 (88321) 115464 (68641) 127993 (71406) 0.001
## ¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯¯
Distribution of the consumption expenditure by access to credit
Distribution of the consumption expenditure by reason of the
loan
