PROJECT ANALISIS DATA KATEGORI KEL 2
Kelompok 2
2025-12-08
Deskripsi Dataset
Penelitian ini menggunakan Global Findex Dataset, yaitu dataset survei keuangan global yang dikembangkan oleh World Bank untuk mengukur akses, penggunaan, dan perilaku keuangan masyarakat di berbagai negara. Dataset ini mencakup informasi pada level individu yang berkaitan dengan kepemilikan layanan keuangan, sumber pembiayaan, pengambilan keputusan finansial, serta persepsi terhadap kondisi ekonomi dan kelembagaan.
Global Findex juga menyediakan karakteristik responden dan konteks negara, sehingga memungkinkan dilakukan analisis perbandingan antar wilayah atau antar negara dalam aspek inklusi dan perilaku keuangan.
Dalam analisis ini, beberapa variabel utama yang digunakan antara lain:
fin30 Variabel ini mengukur persepsi responden terhadap keamanan kondisi keuangan pribadi saat ini, berdasarkan pertanyaan: “Apakah Anda merasa aman dengan kondisi keuangan saat ini?”. Variabel ini merepresentasikan tingkat rasa aman atau stabilitas finansial individu.
con27 Variabel ini merefleksikan tingkat kepercayaan responden terhadap kepedulian pemerintah terhadap kesejahteraan rakyat, berdasarkan pertanyaan: “Apakah pemerintah peduli terhadap kesejahteraan rakyat?”. Variabel ini sering digunakan sebagai indikator persepsi institusional dan kepercayaan publik.
fin24d1 Variabel ini menunjukkan apakah responden meminjam uang dari keluarga atau teman dalam 12 bulan terakhir, sehingga mencerminkan penggunaan sumber pinjaman informal sebagai strategi keuangan individu.
fin24bb Variabel ini menggambarkan pola pengambilan keputusan keuangan dalam rumah tangga, yaitu apakah responden membuat keputusan keuangan sendiri atau bersama orang lain. Variabel ini berkaitan dengan aspek otonomi dan dinamika pengambilan keputusan finansial.
regionwb24_hi Variabel dependen (Y) dalam analisis ini. Variabel ini mengklasifikasikan responden berdasarkan wilayah ekonomi dunia menurut World Bank, yang terdiri dari tujuh kategori utama, antara lain South Asia, Europe and Central Asia (ECA), Middle East and North Africa (MENA), Sub-Saharan Africa (SSA), East Asia and Pacific (EAP), Latin America and the Caribbean (LAC), North America (NA).
Secara keseluruhan, variabel-variabel tersebut memungkinkan analisis regresi yang berfokus pada perilaku, persepsi, dan karakteristik keuangan individu, serta relevan untuk mengkaji perbedaan kondisi keuangan antar negara atau wilayah.
Load Package
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## col_factorEksplorasi Data
# Load dataset
df <- read_csv("C:/Users/Fanndry/Documents/GlobalFindexDatabase2025.csv") %>%
clean_names()## Warning: One or more parsing issues, call `problems()` on your data frame for details,
## e.g.:
## dat <- vroom(...)
## problems(dat)## Rows: 8564 Columns: 437
## ── Column specification ────────────────────────────────────────────────────────
## Delimiter: ","
## chr (6): countrynewwb, codewb, regionwb24_hi, incomegroupwb24, group, group2
## dbl (401): year, pop_adult, account_t_d, fiaccount_t_d, mobileaccount_t_d, b...
## lgl (30): fin32_33_34d_s, fing2p_card_s, fin42_acc_s, fin32_33_34c_s, fin43...
##
## ℹ Use `spec()` to retrieve the full column specification for this data.
## ℹ Specify the column types or set `show_col_types = FALSE` to quiet this message.# Filter dataset yang punya Y
clean_df <- df %>% filter(!is.na(regionwb24_hi))
# Filter tahun 2024
df_2024 <- clean_df %>% filter(year == 2024)
# Cek struktur data & ringkasan
str(df_2024)## spc_tbl_ [1,813 × 437] (S3: spec_tbl_df/tbl_df/tbl/data.frame)
## $ countrynewwb : chr [1:1813] "Albania" "Algeria" "Argentina" "Armenia" ...
## $ codewb : chr [1:1813] "ALB" "DZA" "ARG" "ARM" ...
## $ year : num [1:1813] 2024 2024 2024 2024 2024 ...
## $ pop_adult : num [1:1813] 2278004 32019804 35433130 2406318 21852264 ...
## $ regionwb24_hi : chr [1:1813] "Europe & Central Asia (excluding high income)" "Middle East & North Africa (excluding high income)" "Latin America & Caribbean (excluding high income)" "Europe & Central Asia (excluding high income)" ...
## $ incomegroupwb24 : chr [1:1813] "Upper middle income" "Lower middle income" "Upper middle income" "Upper middle income" ...
## $ group : chr [1:1813] "all" "all" "all" "all" ...
## $ group2 : chr [1:1813] "all" "all" "all" "all" ...
## $ account_t_d : num [1:1813] 0.461 0.353 0.817 0.714 0.98 ...
## $ fiaccount_t_d : num [1:1813] 0.461 0.353 0.729 0.705 0.98 ...
## $ mobileaccount_t_d: num [1:1813] NA NA 0.567 0.174 NA ...
## $ borrow_any_t_d : num [1:1813] 0.47 0.341 0.561 0.569 NA ...
## $ fin4_d : num [1:1813] 0.323 0.219 0.526 0.423 NA ...
## $ dig_acc : num [1:1813] 0.167 0.118 0.713 0.469 NA ...
## $ fin11_2a : num [1:1813] 0.2763 NA 0.1022 0.0944 NA ...
## $ fin11a : num [1:1813] 0.0825 NA 0.0723 0.0376 NA ...
## $ fin11b : num [1:1813] 0.2054 NA 0.1363 0.0664 NA ...
## $ fin11c : num [1:1813] 0.0326 NA 0.0572 0.0354 NA ...
## $ fin11f : num [1:1813] 0.1118 NA 0.0624 0.0663 NA ...
## $ fin11d : num [1:1813] 0.4341 NA 0.1066 0.0937 NA ...
## $ fin11e : num [1:1813] 0.179 NA 0.121 0.148 NA ...
## $ fin14a : num [1:1813] NA NA NA NA NA ...
## $ fin14b : num [1:1813] NA NA NA NA NA ...
## $ fin14c : num [1:1813] NA NA NA NA NA ...
## $ fin14d : num [1:1813] NA NA NA NA NA ...
## $ fin13_1a : num [1:1813] NA NA NA NA NA ...
## $ fin13_1b : num [1:1813] NA NA NA NA NA ...
## $ fin26a : num [1:1813] 0.0536 0.0347 0.4392 0.1984 NA ...
## $ fin26b : num [1:1813] 0.1258 0.0678 0.364 0.2295 NA ...
## $ fin27a : num [1:1813] 0.0328 0.0333 0.3198 0.1971 NA ...
## $ fin27b : num [1:1813] 0.0929 0.0345 0.0431 0.0325 NA ...
## $ fin17f : num [1:1813] 0.0365 0.0742 0.0746 0.0225 NA ...
## $ fin17a_17a1_d : num [1:1813] 0.148 0.166 0.358 0.108 NA ...
## $ fin17a : num [1:1813] 0.1476 0.1655 0.2312 0.0912 NA ...
## $ fin17b : num [1:1813] NA NA 0.3207 0.0371 NA ...
## $ fin17c : num [1:1813] 0.013 0.0405 0.0591 0.0392 NA ...
## $ fin22d : num [1:1813] 0.195 0.089 0.119 0.211 NA ...
## $ fin22e : num [1:1813] 0.0217 0.037 0.0557 0.0581 NA ...
## $ fin22a_22a1_22g_d: num [1:1813] 0.1085 0.0654 0.3261 0.2336 NA ...
## $ fin22a : num [1:1813] 0.1085 0.0654 0.2927 0.2318 NA ...
## $ fin22a_1 : num [1:1813] NA NA 0.0748 0.0194 NA ...
## $ fin22b : num [1:1813] 0.249 0.27 0.245 0.263 NA ...
## $ fin22c : num [1:1813] 0.000912 0.002374 0.005531 0.003065 NA ...
## $ fin24sav : num [1:1813] 0.21 0.159 0.154 0.118 NA ...
## $ fin24fam : num [1:1813] 0.483 0.488 0.393 0.456 NA ...
## $ fin24work : num [1:1813] 0.135 0.137 0.16 0.145 NA ...
## $ fin24bor : num [1:1813] 0.0315 0.0502 0.0953 0.0995 NA ...
## $ fin24sell : num [1:1813] 0.0309 0.0414 0.1006 0.0982 NA ...
## $ fin24other : num [1:1813] 0.00267 0.00282 0.01444 0.00554 NA ...
## $ fin24a_vd : num [1:1813] 0.284 0.16 0.425 0.152 NA ...
## $ fin24a_sd : num [1:1813] 0.394 0.527 0.322 0.438 NA ...
## $ fin24a_nd : num [1:1813] 0.211 0.173 0.167 0.322 NA ...
## $ fin24a_sd_nd : num [1:1813] 0.605 0.7 0.489 0.76 NA ...
## $ fin24a_p : num [1:1813] 0.893 0.878 0.917 0.922 0 ...
## $ fin24a_n : num [1:1813] 0.1072 0.1222 0.0825 0.0776 0 ...
## $ fin24sav_sd_nd : num [1:1813] 0.175 0.153 0.116 0.111 NA ...
## $ fin24fam_sd_nd : num [1:1813] 0.282 0.376 0.166 0.369 NA ...
## $ fin24work_sd_nd : num [1:1813] 0.1092 0.0999 0.113 0.1274 NA ...
## $ fin24bor_sd_nd : num [1:1813] 0.0188 0.0397 0.0433 0.0808 NA ...
## $ fin24sell_sd_nd : num [1:1813] 0.0179 0.0285 0.0399 0.0722 NA ...
## $ fin24other_sd_nd : num [1:1813] 0.0022 0.00282 0.01093 0 NA ...
## $ fin24sav_vd : num [1:1813] 0.0312 0.00469 0.03805 0.00585 NA ...
## $ fin24fam_vd : num [1:1813] 0.201 0.1016 0.2273 0.0787 NA ...
## $ fin24work_vd : num [1:1813] 0.0255 0.0332 0.0464 0.0174 NA ...
## $ fin24bor_vd : num [1:1813] 0.01264 0.00983 0.05205 0.01875 NA ...
## $ fin24sell_vd : num [1:1813] 0.013 0.0109 0.058 0.026 NA ...
## $ fin24other_vd : num [1:1813] 0.000472 0 0.003511 0.005542 NA ...
## $ fh1 : num [1:1813] 0.073 NA 0.2 0.211 NA ...
## $ fin28 : num [1:1813] 0.0222 NA 0.1492 0.1038 NA ...
## $ fh2 : num [1:1813] 0.131 NA 0.189 0.233 NA ...
## $ fin29 : num [1:1813] 0.0301 NA 0.1348 0.1275 NA ...
## $ fin31a_31b : num [1:1813] 0.0195 NA 0.3688 0.2557 NA ...
## $ fin30 : num [1:1813] 0.686 NA 0.62 0.72 NA ...
## $ fin31a : num [1:1813] 0.0195 NA 0.2396 0.1866 NA ...
## $ fin31b : num [1:1813] 0.0159 NA 0.3255 0.1959 NA ...
## $ fin31d : num [1:1813] 0.652 NA 0.238 0.44 NA ...
## $ fin32_33_34a : num [1:1813] 0.1153 NA 0.0791 0.0626 NA ...
## $ fin32_33_34b : num [1:1813] 0.00427 NA 0.01813 0.0132 NA ...
## $ fin32_33_34c : num [1:1813] 0.000885 NA 0.004309 0.010272 NA ...
## $ fin32_33_34d : num [1:1813] 0.00232 NA 0 0.00933 NA ...
## $ fin32_33_acc : num [1:1813] 0.1176 NA 0.0791 0.0729 NA ...
## $ fin32_33 : num [1:1813] 0.1193 NA 0.0834 0.0846 NA ...
## $ fin32_n33_34a : num [1:1813] 0.133 NA 0.15 0.171 NA ...
## $ fin32_n33_34b : num [1:1813] 0.00387 NA 0.08916 0.02716 NA ...
## $ fin32_n33_34c : num [1:1813] 0.0639 NA 0.0593 0.0905 NA ...
## $ fin32_n33_34d : num [1:1813] 0 NA 0.00227 0.02054 NA ...
## $ fin32_n33_acc : num [1:1813] 0.133 NA 0.177 0.193 NA ...
## $ fin32_n33 : num [1:1813] 0.197 NA 0.237 0.299 NA ...
## $ fin32 : num [1:1813] 0.316 NA 0.32 0.384 NA ...
## $ fin32_acc : num [1:1813] 0.251 NA 0.256 0.266 NA ...
## $ fin34a : num [1:1813] 0.248 NA 0.229 0.234 NA ...
## $ fin34b : num [1:1813] 0.00814 NA 0.10728 0.04036 NA ...
## $ fin34c : num [1:1813] 0.0648 NA 0.0636 0.1007 NA ...
## $ fin34d : num [1:1813] 0.00232 NA 0.00227 0.02987 NA ...
## $ fin37_38_39a : num [1:1813] 0.069 NA 0.147 0.191 NA ...
## $ fin37_38_39b : num [1:1813] 0 NA 0.0512 0.0179 NA ...
## $ fin37_38_39c : num [1:1813] 0.1892 NA 0.0146 0.0228 NA ...
## $ fin37_38_39d : num [1:1813] 0 NA 0.00643 0.03931 NA ...
## $ fin37_38_39_acc : num [1:1813] 0.069 NA 0.159 0.232 NA ...
## [list output truncated]
## - attr(*, "spec")=
## .. cols(
## .. countrynewwb = col_character(),
## .. codewb = col_character(),
## .. year = col_double(),
## .. pop_adult = col_double(),
## .. regionwb24_hi = col_character(),
## .. incomegroupwb24 = col_character(),
## .. group = col_character(),
## .. group2 = col_character(),
## .. account_t_d = col_double(),
## .. fiaccount_t_d = col_double(),
## .. mobileaccount_t_d = col_double(),
## .. borrow_any_t_d = col_double(),
## .. fin4_d = col_double(),
## .. dig_acc = col_double(),
## .. fin11_2a = col_double(),
## .. fin11a = col_double(),
## .. fin11b = col_double(),
## .. fin11c = col_double(),
## .. fin11f = col_double(),
## .. fin11d = col_double(),
## .. fin11e = col_double(),
## .. fin14a = col_double(),
## .. fin14b = col_double(),
## .. fin14c = col_double(),
## .. fin14d = col_double(),
## .. fin13_1a = col_double(),
## .. fin13_1b = col_double(),
## .. fin26a = col_double(),
## .. fin26b = col_double(),
## .. fin27a = col_double(),
## .. fin27b = col_double(),
## .. fin17f = col_double(),
## .. fin17a_17a1_d = col_double(),
## .. fin17a = col_double(),
## .. fin17b = col_double(),
## .. fin17c = col_double(),
## .. fin22d = col_double(),
## .. fin22e = col_double(),
## .. fin22a_22a1_22g_d = col_double(),
## .. fin22a = col_double(),
## .. fin22a_1 = col_double(),
## .. fin22b = col_double(),
## .. fin22c = col_double(),
## .. fin24sav = col_double(),
## .. fin24fam = col_double(),
## .. fin24work = col_double(),
## .. fin24bor = col_double(),
## .. fin24sell = col_double(),
## .. fin24other = col_double(),
## .. fin24aVD = col_double(),
## .. fin24aSD = col_double(),
## .. fin24aND = col_double(),
## .. fin24aSD_ND = col_double(),
## .. fin24aP = col_double(),
## .. fin24aN = col_double(),
## .. fin24sav_SD_ND = col_double(),
## .. fin24fam_SD_ND = col_double(),
## .. fin24work_SD_ND = col_double(),
## .. fin24bor_SD_ND = col_double(),
## .. fin24sell_SD_ND = col_double(),
## .. fin24other_SD_ND = col_double(),
## .. fin24sav_VD = col_double(),
## .. fin24fam_VD = col_double(),
## .. fin24work_VD = col_double(),
## .. fin24bor_VD = col_double(),
## .. fin24sell_VD = col_double(),
## .. fin24other_VD = col_double(),
## .. fh1 = col_double(),
## .. fin28 = col_double(),
## .. fh2 = col_double(),
## .. fin29 = col_double(),
## .. fin31a_31b = col_double(),
## .. fin30 = col_double(),
## .. fin31a = col_double(),
## .. fin31b = col_double(),
## .. fin31d = col_double(),
## .. fin32_33_34a = col_double(),
## .. fin32_33_34b = col_double(),
## .. fin32_33_34c = col_double(),
## .. fin32_33_34d = col_double(),
## .. fin32_33_acc = col_double(),
## .. fin32_33 = col_double(),
## .. fin32_n33_34a = col_double(),
## .. fin32_n33_34b = col_double(),
## .. fin32_n33_34c = col_double(),
## .. fin32_n33_34d = col_double(),
## .. fin32_n33_acc = col_double(),
## .. fin32_n33 = col_double(),
## .. fin32 = col_double(),
## .. fin32_acc = col_double(),
## .. fin34a = col_double(),
## .. fin34b = col_double(),
## .. fin34c = col_double(),
## .. fin34d = col_double(),
## .. fin37_38_39a = col_double(),
## .. fin37_38_39b = col_double(),
## .. fin37_38_39c = col_double(),
## .. fin37_38_39d = col_double(),
## .. fin37_38_39_acc = col_double(),
## .. fin37_38 = col_double(),
## .. fin37_39a = col_double(),
## .. fin37_39b = col_double(),
## .. fin37_39c = col_double(),
## .. fin37_39d = col_double(),
## .. fin37_39_acc = col_double(),
## .. fin37 = col_double(),
## .. fin38_39a = col_double(),
## .. fin38_39b = col_double(),
## .. fin38_39c = col_double(),
## .. fin38_39d = col_double(),
## .. fin38_39_acc = col_double(),
## .. fin38 = col_double(),
## .. fin2_t_d = col_double(),
## .. fin42 = col_double(),
## .. fin42_acc = col_double(),
## .. fin43a = col_double(),
## .. fin43b = col_double(),
## .. fin43c = col_double(),
## .. fin43d = col_double(),
## .. fin45a = col_double(),
## .. fin45c = col_double(),
## .. fin45d = col_double(),
## .. fin45e = col_double(),
## .. fin45b = col_double(),
## .. fin25e2 = col_double(),
## .. fin9b = col_double(),
## .. fin10 = col_double(),
## .. fin22g = col_double(),
## .. fin22h = col_double(),
## .. inactive_t_d = col_double(),
## .. fing2p_acc = col_double(),
## .. fing2p_card = col_double(),
## .. fing2p_cash = col_double(),
## .. fing2p_fin = col_double(),
## .. fing2p_mob = col_double(),
## .. fing2p = col_double(),
## .. g20_made = col_double(),
## .. g20_received = col_double(),
## .. g20_any = col_double(),
## .. merchant_pay = col_double(),
## .. save_any_t_d = col_double(),
## .. fin11_1 = col_double(),
## .. fin5w = col_double(),
## .. fin5m = col_double(),
## .. fin5lm = col_double(),
## .. fin5n = col_double(),
## .. fin6w = col_double(),
## .. fin6m = col_double(),
## .. fin6lm = col_double(),
## .. fin6n = col_double(),
## .. fin11_0 = col_double(),
## .. fin9a = col_double(),
## .. fin17dw = col_double(),
## .. fin17dm = col_double(),
## .. fin17dlm = col_double(),
## .. fin17e = col_double(),
## .. fin7 = col_double(),
## .. fin3 = col_double(),
## .. fin19 = col_double(),
## .. fin20 = col_double(),
## .. fin21 = col_double(),
## .. fin24ba = col_double(),
## .. fin24bb = col_double(),
## .. fin24bc = col_double(),
## .. fin24bd = col_double(),
## .. fin24c = col_double(),
## .. fin24d1 = col_double(),
## .. fin24d2 = col_double(),
## .. fin24d3 = col_double(),
## .. fin25e1 = col_double(),
## .. fin25e2b = col_double(),
## .. fin25e3w = col_double(),
## .. fin25e3m = col_double(),
## .. fin25e3lm = col_double(),
## .. fin25e4a = col_double(),
## .. fin25e4b = col_double(),
## .. fin25e4c = col_double(),
## .. fin25e4d = col_double(),
## .. fin25e4e = col_double(),
## .. fh2a = col_double(),
## .. fin31c = col_double(),
## .. fin36a = col_double(),
## .. fin36b = col_double(),
## .. fin40a = col_double(),
## .. fin40b = col_double(),
## .. fin36Aa = col_double(),
## .. fin36Ab = col_double(),
## .. fin8 = col_double(),
## .. fin13aw = col_double(),
## .. fin13am = col_double(),
## .. fin13alm = col_double(),
## .. fin13an = col_double(),
## .. fin13bw = col_double(),
## .. fin13bm = col_double(),
## .. fin13blm = col_double(),
## .. fin13bn = col_double(),
## .. fin13cw = col_double(),
## .. fin13cm = col_double(),
## .. fin13clm = col_double(),
## .. fin13cn = col_double(),
## .. fin13e = col_double(),
## .. fin13f = col_double(),
## .. fin13f_1 = col_double(),
## .. fin15 = col_double(),
## .. fin16 = col_double(),
## .. fin22f = col_double(),
## .. fin41 = col_double(),
## .. fin35 = col_double(),
## .. fin44 = col_double(),
## .. fh1_fh2 = col_double(),
## .. fin28_29 = col_double(),
## .. fin31d_s = col_double(),
## .. fin32_n33_34c_s = col_double(),
## .. fin34c_s = col_double(),
## .. fin43c_s = col_double(),
## .. fin32_acc_s = col_double(),
## .. fin34a_s = col_double(),
## .. fin32_33_acc_s = col_double(),
## .. inactive_t_d_s = col_double(),
## .. fing2p_fin_s = col_double(),
## .. fin32_33_34a_s = col_double(),
## .. fin32_n33_acc_s = col_double(),
## .. fin37_39_acc_s = col_double(),
## .. fin37_39c_s = col_double(),
## .. fin31a_31b_s = col_double(),
## .. fin31a_s = col_double(),
## .. fin31b_s = col_double(),
## .. fin32_n33_34a_s = col_double(),
## .. fin37_39a_s = col_double(),
## .. fin34d_s = col_double(),
## .. fin32_33_34d_s = col_logical(),
## .. fin32_n33_34d_s = col_double(),
## .. fing2p_card_s = col_logical(),
## .. fin37_39d_s = col_double(),
## .. fin42_acc_s = col_logical(),
## .. fin32_33_34c_s = col_logical(),
## .. fin37_38_39c_s = col_double(),
## .. fin38_39c_s = col_double(),
## .. fing2p_acc_s = col_double(),
## .. fing2p_cash_s = col_double(),
## .. fin37_38_39a_s = col_double(),
## .. fin37_38_39_acc_s = col_double(),
## .. fin38_39a_s = col_double(),
## .. fin38_39_acc_s = col_double(),
## .. fin34b_s = col_double(),
## .. fin32_n33_34b_s = col_double(),
## .. fin43b_s = col_logical(),
## .. fin27b_s = col_double(),
## .. fin27a_s = col_double(),
## .. fin22h_s = col_double(),
## .. fin28_29_s = col_double(),
## .. fin28_s = col_double(),
## .. fin29_s = col_double(),
## .. fing2p_mob_s = col_logical(),
## .. fin37_38_39d_s = col_logical(),
## .. fin37_38_39b_s = col_logical(),
## .. fin37_39b_s = col_logical(),
## .. fin11_2a_s = col_double(),
## .. fin11b_s = col_double(),
## .. fin11f_s = col_double(),
## .. fin11d_s = col_double(),
## .. fin11e_s = col_double(),
## .. fin9b_s = col_double(),
## .. fin11_1_s = col_double(),
## .. fin5m_s = col_double(),
## .. fin6m_s = col_double(),
## .. fin9a_s = col_double(),
## .. fin5w_s = col_double(),
## .. fin6w_s = col_double(),
## .. fin17dm_s = col_double(),
## .. fin17dlm_s = col_double(),
## .. fin25e3w_s = col_double(),
## .. fin25e3m_s = col_double(),
## .. fin24d1_s = col_double(),
## .. fin14d_s = col_double(),
## .. fin24d2_s = col_double(),
## .. fin11a_s = col_double(),
## .. fin11c_s = col_double(),
## .. fin5lm_s = col_double(),
## .. fin6lm_s = col_double(),
## .. fin17dw_s = col_logical(),
## .. fin14c_s = col_double(),
## .. fin13_1a_s = col_double(),
## .. fin13_1b_s = col_double(),
## .. fin13am_s = col_double(),
## .. fin13alm_s = col_double(),
## .. fin13bm_s = col_double(),
## .. fin13blm_s = col_double(),
## .. fin13cm_s = col_double(),
## .. fin13clm_s = col_double(),
## .. fin21_s = col_double(),
## .. fin14b_s = col_double(),
## .. fin13cw_s = col_logical(),
## .. fin13f_s = col_double(),
## .. fin14a_s = col_double(),
## .. fin25e3lm_s = col_logical(),
## .. fin13aw_s = col_logical(),
## .. fin13bw_s = col_logical(),
## .. fin24d3_s = col_logical(),
## .. fin5n_s = col_logical(),
## .. fin6n_s = col_logical(),
## .. fin13f_1_s = col_logical(),
## .. fin32_33_34b_s = col_logical(),
## .. con1 = col_double(),
## .. con2a = col_double(),
## .. con2b = col_double(),
## .. con2c = col_double(),
## .. con2d = col_double(),
## .. con2e = col_double(),
## .. con2f = col_double(),
## .. con2g = col_double(),
## .. con3a = col_double(),
## .. con3b = col_double(),
## .. con3c = col_double(),
## .. con3d = col_double(),
## .. con3e = col_double(),
## .. con3f = col_double(),
## .. con3g = col_double(),
## .. con4 = col_double(),
## .. con5a = col_double(),
## .. con5b = col_double(),
## .. con6 = col_double(),
## .. con7 = col_double(),
## .. con8 = col_double(),
## .. con9a = col_double(),
## .. con9b = col_double(),
## .. con10 = col_double(),
## .. con11 = col_double(),
## .. con12d = col_double(),
## .. con12w = col_double(),
## .. con12m = col_double(),
## .. con12lm = col_double(),
## .. con13 = col_double(),
## .. con14 = col_double(),
## .. con15 = col_double(),
## .. con16 = col_double(),
## .. con17a = col_double(),
## .. con17b = col_double(),
## .. con17c = col_double(),
## .. con17d = col_double(),
## .. con18 = col_double(),
## .. con19 = col_double(),
## .. con20 = col_double(),
## .. con21 = col_double(),
## .. con22 = col_double(),
## .. con23 = col_double(),
## .. internet = col_double(),
## .. con26d = col_double(),
## .. con26w = col_double(),
## .. con26m = col_double(),
## .. con26lm = col_double(),
## .. con27 = col_double(),
## .. con28d = col_double(),
## .. con28w = col_double(),
## .. con28m = col_double(),
## .. con28lm = col_double(),
## .. con28n = col_double(),
## .. con29 = col_double(),
## .. con30a = col_double(),
## .. con30b = col_double(),
## .. con30c = col_double(),
## .. con30d = col_double(),
## .. con30e = col_double(),
## .. con30f = col_double(),
## .. con30g = col_double(),
## .. con30h = col_double(),
## .. con31a = col_double(),
## .. con31b = col_double(),
## .. con31c = col_double(),
## .. con31d = col_double(),
## .. con31e = col_double(),
## .. con31f = col_double(),
## .. con31g = col_double(),
## .. con31h = col_double(),
## .. con32a = col_double(),
## .. con32b = col_double(),
## .. con32c = col_double(),
## .. con32d = col_double(),
## .. con32e = col_double(),
## .. con32f = col_double(),
## .. con32g = col_double(),
## .. con32h = col_double(),
## .. con10_s = col_double(),
## .. con11_s = col_double(),
## .. con12d_s = col_double(),
## .. con14_s = col_double(),
## .. con16_s = col_double(),
## .. con17a_s = col_double(),
## .. con17b_s = col_double(),
## .. con18_s = col_double(),
## .. con19_s = col_double(),
## .. con20_s = col_double(),
## .. con21_s = col_double(),
## .. con26d_s = col_double(),
## .. con27_s = col_double(),
## .. con28m_s = col_double(),
## .. con30a_s = col_double(),
## .. con30b_s = col_double(),
## .. con30c_s = col_double(),
## .. con30d_s = col_double(),
## .. con30e_s = col_double(),
## .. con30f_s = col_logical(),
## .. con30g_s = col_double(),
## .. con30h_s = col_double(),
## .. con31a_s = col_double(),
## .. con31b_s = col_double(),
## .. con31f_s = col_double(),
## .. con2a_s = col_double(),
## .. con15_s = col_logical(),
## .. con17d_s = col_double(),
## .. con29_s = col_logical(),
## .. con31d_s = col_double(),
## .. con31h_s = col_double(),
## .. con32a_s = col_double(),
## .. con3a_s = col_double(),
## .. con4_s = col_double(),
## .. con28d_s = col_double(),
## .. con28w_s = col_double(),
## .. con23_s = col_double(),
## .. con31c_s = col_double(),
## .. con2b_s = col_double(),
## .. con2d_s = col_double(),
## .. con26w_s = col_double(),
## .. con2c_s = col_double(),
## .. con2e_s = col_double(),
## .. con2g_s = col_double(),
## .. con5b_s = col_double(),
## .. con12m_s = col_logical(),
## .. con26lm_s = col_logical(),
## .. con12w_s = col_double(),
## .. con2f_s = col_double(),
## .. con13_s = col_logical(),
## .. con26m_s = col_logical(),
## .. con28lm_s = col_logical(),
## .. con5a_s = col_logical(),
## .. con17c_s = col_logical(),
## .. con32h_s = col_logical()
## .. )
## - attr(*, "problems")=<externalptr>## countrynewwb codewb year pop_adult
## Length:1813 Length:1813 Min. :2024 Min. :3.001e+05
## Class :character Class :character 1st Qu.:2024 1st Qu.:3.951e+06
## Mode :character Mode :character Median :2024 Median :9.161e+06
## Mean :2024 Mean :4.002e+07
## 3rd Qu.:2024 3rd Qu.:2.789e+07
## Max. :2024 Max. :1.177e+09
##
## regionwb24_hi incomegroupwb24 group group2
## Length:1813 Length:1813 Length:1813 Length:1813
## Class :character Class :character Class :character Class :character
## Mode :character Mode :character Mode :character Mode :character
##
##
##
##
## account_t_d fiaccount_t_d mobileaccount_t_d borrow_any_t_d
## Min. :0.05958 Min. :0.04408 Min. :0.0203 Min. :0.1440
## 1st Qu.:0.50912 1st Qu.:0.35294 1st Qu.:0.1742 1st Qu.:0.4613
## Median :0.72650 Median :0.67415 Median :0.3530 Median :0.5783
## Mean :0.69704 Mean :0.62803 Mean :0.3585 Mean :0.5764
## 3rd Qu.:0.91892 3rd Qu.:0.91644 3rd Qu.:0.5056 3rd Qu.:0.6932
## Max. :1.00000 Max. :1.00000 Max. :0.9394 Max. :0.9311
## NA's :12 NA's :909 NA's :544
## fin4_d dig_acc fin11_2a fin11a
## Min. :0.0183 Min. :0.0281 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.1693 1st Qu.:0.2673 1st Qu.:0.1417 1st Qu.:0.1174
## Median :0.2999 Median :0.4519 Median :0.2188 Median :0.1831
## Mean :0.3409 Mean :0.4608 Mean :0.2365 Mean :0.1894
## 3rd Qu.:0.4992 3rd Qu.:0.6309 3rd Qu.:0.3038 3rd Qu.:0.2569
## Max. :0.8563 Max. :0.9846 Max. :0.6503 Max. :0.4382
## NA's :808 NA's :568 NA's :1311 NA's :1467
## fin11b fin11c fin11f fin11d
## Min. :0.0000 Min. :0.0000 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.1377 1st Qu.:0.1193 1st Qu.:0.1119 1st Qu.:0.1376
## Median :0.2197 Median :0.1482 Median :0.1590 Median :0.2419
## Mean :0.2221 Mean :0.1555 Mean :0.1708 Mean :0.2802
## 3rd Qu.:0.2896 3rd Qu.:0.1901 3rd Qu.:0.2059 3rd Qu.:0.4228
## Max. :0.5527 Max. :0.3900 Max. :0.6334 Max. :0.7469
## NA's :1395 NA's :1491 NA's :1467 NA's :1323
## fin11e fin14a fin14b fin14c
## Min. :0.0000 Min. :0.0143 Min. :0.0235 Min. :0.0315
## 1st Qu.:0.1277 1st Qu.:0.1172 1st Qu.:0.1216 1st Qu.:0.1160
## Median :0.1708 Median :0.1845 Median :0.1763 Median :0.1638
## Mean :0.1814 Mean :0.2024 Mean :0.1981 Mean :0.2000
## 3rd Qu.:0.2262 3rd Qu.:0.2724 3rd Qu.:0.2775 3rd Qu.:0.2515
## Max. :0.5461 Max. :0.5066 Max. :0.4798 Max. :0.5725
## NA's :1191 NA's :1549 NA's :1561 NA's :1490
## fin14d fin13_1a fin13_1b fin26a
## Min. :0.0341 Min. :0.0000 Min. :0.0036 Min. :0.0075
## 1st Qu.:0.1899 1st Qu.:0.1478 1st Qu.:0.1052 1st Qu.:0.1352
## Median :0.2822 Median :0.2128 Median :0.1397 Median :0.2254
## Mean :0.3141 Mean :0.2111 Mean :0.1462 Mean :0.2646
## 3rd Qu.:0.4195 3rd Qu.:0.2679 3rd Qu.:0.1866 3rd Qu.:0.3587
## Max. :0.7457 Max. :0.4025 Max. :0.3114 Max. :0.8657
## NA's :1372 NA's :1504 NA's :1575 NA's :892
## fin26b fin27a fin27b fin17f
## Min. :0.0000 Min. :0.0000 Min. :0.0007 Min. :0.0000
## 1st Qu.:0.1235 1st Qu.:0.0940 1st Qu.:0.0566 1st Qu.:0.0691
## Median :0.2026 Median :0.1605 Median :0.1154 Median :0.1193
## Mean :0.2470 Mean :0.2046 Mean :0.1190 Mean :0.1379
## 3rd Qu.:0.3472 3rd Qu.:0.2891 3rd Qu.:0.1719 3rd Qu.:0.1843
## Max. :0.8770 Max. :0.8461 Max. :0.3676 Max. :0.5165
## NA's :1057 NA's :1237 NA's :1523 NA's :1429
## fin17a_17a1_d fin17a fin17b fin17c
## Min. :0.0101 Min. :0.0101 Min. :0.0010 Min. :0.0099
## 1st Qu.:0.1655 1st Qu.:0.1414 1st Qu.:0.1374 1st Qu.:0.1321
## Median :0.2555 Median :0.2121 Median :0.2088 Median :0.1994
## Mean :0.2774 Mean :0.2347 Mean :0.2370 Mean :0.2153
## 3rd Qu.:0.3687 3rd Qu.:0.2998 3rd Qu.:0.3105 3rd Qu.:0.2869
## Max. :0.7579 Max. :0.7564 Max. :0.6925 Max. :0.5737
## NA's :628 NA's :928 NA's :1199 NA's :1084
## fin22d fin22e fin22a_22a1_22g_d fin22a
## Min. :0.0000 Min. :0.0102 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.1404 1st Qu.:0.1052 1st Qu.:0.1139 1st Qu.:0.1083
## Median :0.1963 Median :0.1475 Median :0.1586 Median :0.1537
## Mean :0.2251 Mean :0.1537 Mean :0.1827 Mean :0.1756
## 3rd Qu.:0.2965 3rd Qu.:0.1970 3rd Qu.:0.2304 3rd Qu.:0.2129
## Max. :0.5947 Max. :0.3576 Max. :0.6679 Max. :0.6659
## NA's :772 NA's :1238 NA's :856 NA's :1045
## fin22a_1 fin22b fin22c fin24sav
## Min. :0.0000 Min. :0.0000 Min. :0.0007 Min. :0.0000
## 1st Qu.:0.0384 1st Qu.:0.2264 1st Qu.:0.0704 1st Qu.:0.1241
## Median :0.1095 Median :0.3149 Median :0.1189 Median :0.1619
## Mean :0.1211 Mean :0.3299 Mean :0.1221 Mean :0.1756
## 3rd Qu.:0.1830 3rd Qu.:0.4231 3rd Qu.:0.1571 3rd Qu.:0.2148
## Max. :0.4043 Max. :0.7528 Max. :0.3755 Max. :0.4949
## NA's :1619 NA's :544 NA's :1464 NA's :831
## fin24fam fin24work fin24bor fin24sell
## Min. :0.1174 Min. :0.0084 Min. :0.0053 Min. :0.0000
## 1st Qu.:0.3172 1st Qu.:0.1229 1st Qu.:0.0780 1st Qu.:0.1069
## Median :0.3757 Median :0.1649 Median :0.1157 Median :0.1427
## Mean :0.3900 Mean :0.1780 Mean :0.1150 Mean :0.1535
## 3rd Qu.:0.4538 3rd Qu.:0.2292 3rd Qu.:0.1401 3rd Qu.:0.1946
## Max. :0.8469 Max. :0.5261 Max. :0.3279 Max. :0.3426
## NA's :544 NA's :745 NA's :1500 NA's :1130
## fin24other fin24a_vd fin24a_sd fin24a_nd
## Min. :0.0000 Min. :0.0449 Min. :0.0933 Min. :0.0111
## 1st Qu.:0.0048 1st Qu.:0.2395 1st Qu.:0.2854 1st Qu.:0.1343
## Median :0.0095 Median :0.3504 Median :0.3467 Median :0.1905
## Mean :0.0133 Mean :0.3517 Mean :0.3456 Mean :0.2119
## 3rd Qu.:0.0200 3rd Qu.:0.4582 3rd Qu.:0.4061 3rd Qu.:0.2704
## Max. :0.0612 Max. :0.7815 Max. :0.6147 Max. :0.6798
## NA's :1715 NA's :544 NA's :544 NA's :723
## fin24a_sd_nd fin24a_p fin24a_n fin24sav_sd_nd
## Min. :0.1432 Min. :0.0000 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.4215 1st Qu.:0.8565 1st Qu.:0.0844 1st Qu.:0.0980
## Median :0.5381 Median :0.9141 Median :0.1268 Median :0.1384
## Mean :0.5379 Mean :0.8699 Mean :0.1394 Mean :0.1538
## 3rd Qu.:0.6604 3rd Qu.:0.9537 3rd Qu.:0.1819 3rd Qu.:0.1947
## Max. :0.9267 Max. :1.0000 Max. :0.5252 Max. :0.4661
## NA's :544 NA's :502 NA's :1172 NA's :1045
## fin24fam_sd_nd fin24work_sd_nd fin24bor_sd_nd fin24sell_sd_nd
## Min. :0.0425 Min. :0.0084 Min. :0.0031 Min. :0.0051
## 1st Qu.:0.1474 1st Qu.:0.0949 1st Qu.:0.0270 1st Qu.:0.0508
## Median :0.1998 Median :0.1274 Median :0.0458 Median :0.0968
## Mean :0.2205 Mean :0.1376 Mean :0.0608 Mean :0.0941
## 3rd Qu.:0.2772 3rd Qu.:0.1686 3rd Qu.:0.0928 3rd Qu.:0.1301
## Max. :0.7539 Max. :0.4261 Max. :0.1910 Max. :0.2005
## NA's :615 NA's :1081 NA's :1679 NA's :1583
## fin24other_sd_nd fin24sav_vd fin24fam_vd fin24work_vd
## Min. :0.0000 Min. :0.0025 Min. :0.0414 Min. :0.0046
## 1st Qu.:0.0027 1st Qu.:0.0185 1st Qu.:0.1370 1st Qu.:0.0475
## Median :0.0049 Median :0.0379 Median :0.1838 Median :0.1035
## Mean :0.0069 Mean :0.0544 Mean :0.1858 Mean :0.1009
## 3rd Qu.:0.0090 3rd Qu.:0.0916 3rd Qu.:0.2277 3rd Qu.:0.1411
## Max. :0.0418 Max. :0.1719 Max. :0.4591 Max. :0.2589
## NA's :1715 NA's :1679 NA's :722 NA's :1571
## fin24bor_vd fin24sell_vd fin24other_vd fh1
## Min. :0.0021 Min. :0.0000 Min. :0.0000 Min. :0.0239
## 1st Qu.:0.0190 1st Qu.:0.0647 1st Qu.:0.0013 1st Qu.:0.1401
## Median :0.0385 Median :0.1073 Median :0.0044 Median :0.2217
## Mean :0.0503 Mean :0.1031 Mean :0.0062 Mean :0.2500
## 3rd Qu.:0.0707 3rd Qu.:0.1348 3rd Qu.:0.0082 3rd Qu.:0.3348
## Max. :0.1455 Max. :0.2468 Max. :0.0301 Max. :0.6591
## NA's :1691 NA's :1511 NA's :1715 NA's :718
## fin28 fh2 fin29 fin31a_31b
## Min. :0.0195 Min. :0.0445 Min. :0.0000 Min. :0.0033
## 1st Qu.:0.1233 1st Qu.:0.1761 1st Qu.:0.1295 1st Qu.:0.1319
## Median :0.1866 Median :0.2573 Median :0.2074 Median :0.2057
## Mean :0.2110 Mean :0.3011 Mean :0.2310 Mean :0.2333
## 3rd Qu.:0.2791 3rd Qu.:0.4132 3rd Qu.:0.3096 3rd Qu.:0.3092
## Max. :0.5568 Max. :0.7064 Max. :0.6247 Max. :0.8130
## NA's :1054 NA's :670 NA's :970 NA's :970
## fin30 fin31a fin31b fin31d
## Min. :0.0361 Min. :0.0033 Min. :0.0057 Min. :0.0000
## 1st Qu.:0.2981 1st Qu.:0.1025 1st Qu.:0.1205 1st Qu.:0.1479
## Median :0.4501 Median :0.1559 Median :0.1858 Median :0.2608
## Mean :0.4505 Mean :0.1926 Mean :0.2118 Mean :0.2774
## 3rd Qu.:0.6089 3rd Qu.:0.2600 3rd Qu.:0.2872 3rd Qu.:0.3794
## Max. :0.8821 Max. :0.7804 Max. :0.6624 Max. :0.7289
## NA's :646 NA's :1196 NA's :1066 NA's :847
## fin32_33_34a fin32_33_34b fin32_33_34c fin32_33_34d
## Min. :0.0029 Min. :0.0000 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0358 1st Qu.:0.0084 1st Qu.:0.0020 1st Qu.:0.0000
## Median :0.0930 Median :0.0167 Median :0.0055 Median :0.0000
## Mean :0.0932 Mean :0.0288 Mean :0.0085 Mean :0.0008
## 3rd Qu.:0.1367 3rd Qu.:0.0317 3rd Qu.:0.0099 3rd Qu.:0.0004
## Max. :0.2821 Max. :0.1481 Max. :0.0475 Max. :0.0115
## NA's :1579 NA's :1711 NA's :1723 NA's :1723
## fin32_33_acc fin32_33 fin32_n33_34a fin32_n33_34b
## Min. :0.0041 Min. :0.0050 Min. :0.0054 Min. :0.0000
## 1st Qu.:0.0405 1st Qu.:0.0495 1st Qu.:0.0790 1st Qu.:0.0532
## Median :0.0945 Median :0.1067 Median :0.1502 Median :0.1084
## Mean :0.0985 Mean :0.1078 Mean :0.1804 Mean :0.1161
## 3rd Qu.:0.1488 3rd Qu.:0.1541 3rd Qu.:0.2660 3rd Qu.:0.1722
## Max. :0.2870 Max. :0.3235 Max. :0.7010 Max. :0.3854
## NA's :1567 NA's :1519 NA's :1280 NA's :1555
## fin32_n33_34c fin32_n33_34d fin32_n33_acc fin32_n33
## Min. :0.0048 Min. :0.0000 Min. :0.0082 Min. :0.0075
## 1st Qu.:0.0892 1st Qu.:0.0000 1st Qu.:0.0937 1st Qu.:0.1558
## Median :0.1346 Median :0.0006 Median :0.1652 Median :0.2261
## Mean :0.1405 Mean :0.0020 Mean :0.1882 Mean :0.2400
## 3rd Qu.:0.1792 3rd Qu.:0.0024 3rd Qu.:0.2487 3rd Qu.:0.3057
## Max. :0.5027 Max. :0.0205 Max. :0.7181 Max. :0.7736
## NA's :1387 NA's :1723 NA's :1162 NA's :754
## fin32 fin32_acc fin34a fin34b
## Min. :0.0191 Min. :0.0101 Min. :0.0090 Min. :0.0010
## 1st Qu.:0.1733 1st Qu.:0.1079 1st Qu.:0.0968 1st Qu.:0.0700
## Median :0.2810 Median :0.1921 Median :0.1783 Median :0.1273
## Mean :0.2893 Mean :0.2244 Mean :0.2160 Mean :0.1359
## 3rd Qu.:0.3713 3rd Qu.:0.3046 3rd Qu.:0.2975 3rd Qu.:0.1834
## Max. :0.8921 Max. :0.8523 Max. :0.8352 Max. :0.4887
## NA's :658 NA's :958 NA's :1090 NA's :1462
## fin34c fin34d fin37_38_39a fin37_38_39b
## Min. :0.0048 Min. :0.0000 Min. :0.0080 Min. :0.0000
## 1st Qu.:0.0928 1st Qu.:0.0000 1st Qu.:0.1194 1st Qu.:0.0133
## Median :0.1336 Median :0.0008 Median :0.1697 Median :0.0327
## Mean :0.1428 Mean :0.0028 Mean :0.1751 Mean :0.0572
## 3rd Qu.:0.1817 3rd Qu.:0.0032 3rd Qu.:0.2197 3rd Qu.:0.0981
## Max. :0.5126 Max. :0.0299 Max. :0.6284 Max. :0.2041
## NA's :1279 NA's :1723 NA's :1339 NA's :1687
## fin37_38_39c fin37_38_39d fin37_38_39_acc fin37_38
## Min. :0.0000 Min. :0.0000 Min. :0.0145 Min. :0.0146
## 1st Qu.:0.0146 1st Qu.:0.0000 1st Qu.:0.1170 1st Qu.:0.1348
## Median :0.0341 Median :0.0022 Median :0.1750 Median :0.2001
## Mean :0.0832 Mean :0.0065 Mean :0.1847 Mean :0.2182
## 3rd Qu.:0.1596 3rd Qu.:0.0075 3rd Qu.:0.2348 3rd Qu.:0.2856
## Max. :0.4035 Max. :0.0511 Max. :0.6383 Max. :0.7237
## NA's :1663 NA's :1723 NA's :1268 NA's :1006
## fin37_39a fin37_39b fin37_39c fin37_39d
## Min. :0.0031 Min. :0.0000 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0804 1st Qu.:0.0076 1st Qu.:0.0078 1st Qu.:0.0000
## Median :0.1211 Median :0.0179 Median :0.0160 Median :0.0016
## Mean :0.1300 Mean :0.0323 Mean :0.0360 Mean :0.0047
## 3rd Qu.:0.1621 3rd Qu.:0.0349 3rd Qu.:0.0283 3rd Qu.:0.0052
## Max. :0.4948 Max. :0.1509 Max. :0.2219 Max. :0.0480
## NA's :1507 NA's :1711 NA's :1711 NA's :1723
## fin37_39_acc fin37 fin38_39a fin38_39b
## Min. :0.0064 Min. :0.0181 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0953 1st Qu.:0.1104 1st Qu.:0.0430 1st Qu.:0.0034
## Median :0.1310 Median :0.1405 Median :0.1133 Median :0.0062
## Mean :0.1421 Mean :0.1617 Mean :0.1111 Mean :0.0113
## 3rd Qu.:0.1736 3rd Qu.:0.1962 3rd Qu.:0.1518 3rd Qu.:0.0146
## Max. :0.5323 Max. :0.5818 Max. :0.5266 Max. :0.0911
## NA's :1459 NA's :1184 NA's :1519 NA's :1723
## fin38_39c fin38_39d fin38_39_acc fin38
## Min. :0.0000 Min. :0.0000 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0020 1st Qu.:0.0000 1st Qu.:0.0499 1st Qu.:0.0839
## Median :0.0089 Median :0.0001 Median :0.1242 Median :0.1490
## Mean :0.0525 Mean :0.0028 Mean :0.1205 Mean :0.1594
## 3rd Qu.:0.0863 3rd Qu.:0.0031 3rd Qu.:0.1704 3rd Qu.:0.2213
## Max. :0.3629 Max. :0.0360 Max. :0.5343 Max. :0.6153
## NA's :1687 NA's :1723 NA's :1507 NA's :1435
## fin2_t_d fin42 fin42_acc fin43a
## Min. :0.01821 Min. :0.0048 Min. :0.0006 Min. :0.0006
## 1st Qu.:0.28079 1st Qu.:0.1176 1st Qu.:0.0200 1st Qu.:0.0097
## Median :0.59623 Median :0.1862 Median :0.0561 Median :0.0173
## Mean :0.56510 Mean :0.2088 Mean :0.0729 Mean :0.0220
## 3rd Qu.:0.86175 3rd Qu.:0.2843 3rd Qu.:0.1185 3rd Qu.:0.0281
## Max. :1.00000 Max. :0.6749 Max. :0.2408 Max. :0.0980
## NA's :204 NA's :1078 NA's :1663 NA's :1723
## fin43b fin43c fin43d fin45a
## Min. :0.0000 Min. :0.0047 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0072 1st Qu.:0.0984 1st Qu.:0.0000 1st Qu.:0.1164
## Median :0.0350 Median :0.1581 Median :0.0000 Median :0.1511
## Mean :0.0558 Mean :0.1794 Mean :0.0008 Mean :0.1507
## 3rd Qu.:0.1004 3rd Qu.:0.2445 3rd Qu.:0.0012 3rd Qu.:0.1839
## Max. :0.2084 Max. :0.5312 Max. :0.0071 Max. :0.3596
## NA's :1687 NA's :1279 NA's :1723 NA's :1081
## fin45c fin45d fin45e fin45b
## Min. :0.0000 Min. :0.0750 Min. :0.0261 Min. :0.0121
## 1st Qu.:0.2035 1st Qu.:0.2402 1st Qu.:0.1178 1st Qu.:0.0926
## Median :0.2767 Median :0.3014 Median :0.1653 Median :0.1331
## Mean :0.2749 Mean :0.3154 Mean :0.1880 Mean :0.1335
## 3rd Qu.:0.3490 3rd Qu.:0.3864 3rd Qu.:0.2344 3rd Qu.:0.1745
## Max. :0.5564 Max. :0.6989 Max. :0.6730 Max. :0.3003
## NA's :616 NA's :544 NA's :962 NA's :1452
## fin25e2 fin9b fin10 fin22g
## Min. :0.0076 Min. :0.0169 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.1492 1st Qu.:0.1466 1st Qu.:0.0695 1st Qu.:0.0600
## Median :0.2847 Median :0.2677 Median :0.1349 Median :0.1229
## Mean :0.3343 Mean :0.3041 Mean :0.1610 Mean :0.1513
## 3rd Qu.:0.4875 3rd Qu.:0.4223 3rd Qu.:0.2163 3rd Qu.:0.2171
## Max. :0.9728 Max. :0.8581 Max. :0.6995 Max. :0.6307
## NA's :904 NA's :946 NA's :1291 NA's :1465
## fin22h inactive_t_d fing2p_acc fing2p_card
## Min. :0.0000 Min. :0.0011 Min. :0.0194 Min. :0.0000
## 1st Qu.:0.0320 1st Qu.:0.0156 1st Qu.:0.1316 1st Qu.:0.0000
## Median :0.1165 Median :0.0478 Median :0.2027 Median :0.0022
## Mean :0.1283 Mean :0.0879 Mean :0.2192 Mean :0.0065
## 3rd Qu.:0.1916 3rd Qu.:0.1390 3rd Qu.:0.2922 3rd Qu.:0.0075
## Max. :0.4195 Max. :0.4092 Max. :0.6397 Max. :0.0511
## NA's :1573 NA's :1643 NA's :1126 NA's :1723
## fing2p_cash fing2p_fin fing2p_mob fing2p
## Min. :0.0000 Min. :0.0138 Min. :0.0000 Min. :0.0280
## 1st Qu.:0.0234 1st Qu.:0.1376 1st Qu.:0.0330 1st Qu.:0.1468
## Median :0.0713 Median :0.2065 Median :0.0948 Median :0.2244
## Mean :0.0922 Mean :0.2134 Mean :0.0888 Mean :0.2509
## 3rd Qu.:0.1319 3rd Qu.:0.2765 3rd Qu.:0.1222 3rd Qu.:0.3334
## Max. :0.4019 Max. :0.6298 Max. :0.3038 Max. :0.7478
## NA's :1627 NA's :1220 NA's :1628 NA's :862
## g20_made g20_received g20_any merchant_pay
## Min. :0.0242 Min. :0.0321 Min. :0.0451 Min. :0.0155
## 1st Qu.:0.2323 1st Qu.:0.2362 1st Qu.:0.3403 1st Qu.:0.1549
## Median :0.3955 Median :0.3384 Median :0.5090 Median :0.2963
## Mean :0.4057 Mean :0.3721 Mean :0.5101 Mean :0.3438
## 3rd Qu.:0.5509 3rd Qu.:0.4960 3rd Qu.:0.6730 3rd Qu.:0.4982
## Max. :0.9507 Max. :0.8824 Max. :0.9768 Max. :0.9728
## NA's :670 NA's :670 NA's :544 NA's :880
## save_any_t_d fin11_1 fin5w fin5m
## Min. :0.0983 Min. :0.0000 Min. :0.0015 Min. :0.0181
## 1st Qu.:0.3643 1st Qu.:0.0659 1st Qu.:0.0510 1st Qu.:0.1529
## Median :0.4811 Median :0.1074 Median :0.1111 Median :0.2612
## Mean :0.4829 Mean :0.0954 Mean :0.1200 Mean :0.3090
## 3rd Qu.:0.5954 3rd Qu.:0.1267 3rd Qu.:0.1716 3rd Qu.:0.4386
## Max. :0.8902 Max. :0.1832 Max. :0.3392 Max. :0.8517
## NA's :544 NA's :1647 NA's :1531 NA's :922
## fin5lm fin5n fin6w fin6m
## Min. :0.0166 Min. :0.0026 Min. :0.0000 Min. :0.0132
## 1st Qu.:0.1003 1st Qu.:0.0157 1st Qu.:0.1112 1st Qu.:0.1355
## Median :0.1361 Median :0.0367 Median :0.1982 Median :0.2157
## Mean :0.1483 Mean :0.0751 Mean :0.2268 Mean :0.2225
## 3rd Qu.:0.1808 3rd Qu.:0.1195 3rd Qu.:0.3243 3rd Qu.:0.3020
## Max. :0.3546 Max. :0.2980 Max. :0.7837 Max. :0.5521
## NA's :1423 NA's :1675 NA's :1267 NA's :982
## fin6lm fin6n fin11_0 fin9a
## Min. :0.0139 Min. :0.0048 Min. :0.0000 Min. :0.0102
## 1st Qu.:0.1015 1st Qu.:0.0166 1st Qu.:0.0011 1st Qu.:0.1432
## Median :0.1320 Median :0.0288 Median :0.0057 Median :0.2336
## Mean :0.1446 Mean :0.0684 Mean :0.0132 Mean :0.2662
## 3rd Qu.:0.1698 3rd Qu.:0.1074 3rd Qu.:0.0170 3rd Qu.:0.3517
## Max. :0.3858 Max. :0.2901 Max. :0.0985 Max. :0.8313
## NA's :1375 NA's :1687 NA's :1755 NA's :910
## fin17dw fin17dm fin17dlm fin17e
## Min. :0.0007 Min. :0.0000 Min. :0.0068 Min. :0.0049
## 1st Qu.:0.0247 1st Qu.:0.1004 1st Qu.:0.0981 1st Qu.:0.0799
## Median :0.0700 Median :0.1496 Median :0.1273 Median :0.1330
## Mean :0.0878 Mean :0.1565 Mean :0.1345 Mean :0.1499
## 3rd Qu.:0.1363 3rd Qu.:0.2037 3rd Qu.:0.1672 3rd Qu.:0.1968
## Max. :0.2699 Max. :0.4387 Max. :0.3446 Max. :0.6518
## NA's :1651 NA's :1138 NA's :1279 NA's :1393
## fin7 fin3 fin19 fin20
## Min. :0.0108 Min. :0.0169 Min. :0.0086 Min. :0.0000
## 1st Qu.:0.0465 1st Qu.:0.1562 1st Qu.:0.1064 1st Qu.:0.0904
## Median :0.0962 Median :0.3017 Median :0.1660 Median :0.1247
## Mean :0.1105 Mean :0.3540 Mean :0.1880 Mean :0.1467
## 3rd Qu.:0.1705 3rd Qu.:0.5441 3rd Qu.:0.2442 3rd Qu.:0.1923
## Max. :0.3019 Max. :0.9714 Max. :0.6612 Max. :0.4877
## NA's :1627 NA's :772 NA's :1072 NA's :1324
## fin21 fin24ba fin24bb fin24bc
## Min. :0.0010 Min. :0.0401 Min. :0.0997 Min. :0.0572
## 1st Qu.:0.0619 1st Qu.:0.1301 1st Qu.:0.2249 1st Qu.:0.1436
## Median :0.1378 Median :0.1730 Median :0.2641 Median :0.1672
## Mean :0.1337 Mean :0.1888 Mean :0.2662 Mean :0.1694
## 3rd Qu.:0.1833 3rd Qu.:0.2369 3rd Qu.:0.3062 3rd Qu.:0.1910
## Max. :0.3930 Max. :0.5422 Max. :0.4895 Max. :0.3580
## NA's :1540 NA's :688 NA's :544 NA's :556
## fin24bd fin24c fin24d1 fin24d2
## Min. :0.0514 Min. :0.0000 Min. :0.0023 Min. :0.0034
## 1st Qu.:0.2300 1st Qu.:0.1554 1st Qu.:0.1167 1st Qu.:0.1172
## Median :0.2970 Median :0.2263 Median :0.1641 Median :0.1661
## Mean :0.3001 Mean :0.2778 Mean :0.1987 Mean :0.2082
## 3rd Qu.:0.3658 3rd Qu.:0.3535 3rd Qu.:0.2551 3rd Qu.:0.2718
## Max. :0.5804 Max. :0.8336 Max. :0.6223 Max. :0.7112
## NA's :556 NA's :748 NA's :1118 NA's :1154
## fin24d3 fin25e1 fin25e2b fin25e3w
## Min. :0.0000 Min. :0.0000 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0229 1st Qu.:0.1429 1st Qu.:0.2370 1st Qu.:0.1305
## Median :0.0758 Median :0.2365 Median :0.3432 Median :0.2497
## Mean :0.0798 Mean :0.2864 Mean :0.3448 Mean :0.2776
## 3rd Qu.:0.1296 3rd Qu.:0.3938 3rd Qu.:0.4316 3rd Qu.:0.4029
## Max. :0.2061 Max. :0.9257 Max. :0.8072 Max. :0.8382
## NA's :1619 NA's :1090 NA's :568 NA's :1249
## fin25e3m fin25e3lm fin25e4a fin25e4b
## Min. :0.0042 Min. :0.0039 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0772 1st Qu.:0.0392 1st Qu.:0.0507 1st Qu.:0.0037
## Median :0.1250 Median :0.0713 Median :0.1045 Median :0.0088
## Mean :0.1216 Mean :0.0851 Mean :0.1003 Mean :0.0138
## 3rd Qu.:0.1657 3rd Qu.:0.1259 3rd Qu.:0.1369 3rd Qu.:0.0214
## Max. :0.3405 Max. :0.2637 Max. :0.3212 Max. :0.0529
## NA's :1489 NA's :1643 NA's :1591 NA's :1723
## fin25e4c fin25e4d fin25e4e fh2a
## Min. :0.0000 Min. :0.0217 Min. :0.0001 Min. :0.0259
## 1st Qu.:0.0087 1st Qu.:0.1807 1st Qu.:0.0040 1st Qu.:0.1370
## Median :0.0145 Median :0.2575 Median :0.0070 Median :0.1922
## Mean :0.0178 Mean :0.2718 Mean :0.0124 Mean :0.2060
## 3rd Qu.:0.0255 3rd Qu.:0.3460 3rd Qu.:0.0171 3rd Qu.:0.2564
## Max. :0.0681 Max. :0.6618 Max. :0.0551 Max. :0.5246
## NA's :1723 NA's :754 NA's :1723 NA's :1006
## fin31c fin36a fin36b fin40a
## Min. :0.0000 Min. :0.0073 Min. :0.0000 Min. :0.0021
## 1st Qu.:0.0020 1st Qu.:0.0326 1st Qu.:0.0892 1st Qu.:0.0687
## Median :0.0056 Median :0.0534 Median :0.1580 Median :0.1179
## Mean :0.0103 Mean :0.0635 Mean :0.1906 Mean :0.1132
## 3rd Qu.:0.0135 3rd Qu.:0.0871 3rd Qu.:0.2650 3rd Qu.:0.1560
## Max. :0.0506 Max. :0.2010 Max. :0.6971 Max. :0.2930
## NA's :1723 NA's :1688 NA's :1159 NA's :1507
## fin40b fin36aa fin36ab fin8
## Min. :0.0058 Min. :0.0427 Min. :0.0051 Min. :0.0324
## 1st Qu.:0.0588 1st Qu.:0.0427 1st Qu.:0.0051 1st Qu.:0.1477
## Median :0.1221 Median :0.0427 Median :0.0051 Median :0.2584
## Mean :0.1203 Mean :0.0427 Mean :0.0051 Mean :0.2906
## 3rd Qu.:0.1687 3rd Qu.:0.0427 3rd Qu.:0.0051 3rd Qu.:0.3951
## Max. :0.3989 Max. :0.0427 Max. :0.0051 Max. :0.8651
## NA's :1543 NA's :1812 NA's :1812 NA's :886
## fin13aw fin13am fin13alm fin13an
## Min. :0.0075 Min. :0.0082 Min. :0.0103 Min. :0.0020
## 1st Qu.:0.0818 1st Qu.:0.1214 1st Qu.:0.1531 1st Qu.:0.0070
## Median :0.1423 Median :0.1686 Median :0.1981 Median :0.0119
## Mean :0.1656 Mean :0.1714 Mean :0.1959 Mean :0.0148
## 3rd Qu.:0.2222 3rd Qu.:0.2216 3rd Qu.:0.2449 3rd Qu.:0.0219
## Max. :0.4566 Max. :0.4050 Max. :0.3639 Max. :0.0363
## NA's :1657 NA's :1492 NA's :1491 NA's :1777
## fin13bw fin13bm fin13blm fin13bn
## Min. :0.0056 Min. :0.0113 Min. :0.0114 Min. :0.0032
## 1st Qu.:0.0769 1st Qu.:0.1049 1st Qu.:0.1681 1st Qu.:0.0125
## Median :0.1343 Median :0.1488 Median :0.2200 Median :0.0247
## Mean :0.1511 Mean :0.1541 Mean :0.2166 Mean :0.0279
## 3rd Qu.:0.2004 3rd Qu.:0.1979 3rd Qu.:0.2684 3rd Qu.:0.0431
## Max. :0.4211 Max. :0.3466 Max. :0.3859 Max. :0.0833
## NA's :1669 NA's :1516 NA's :1492 NA's :1777
## fin13cw fin13cm fin13clm fin13cn
## Min. :0.0058 Min. :0.0104 Min. :0.0128 Min. :0.0016
## 1st Qu.:0.0984 1st Qu.:0.1126 1st Qu.:0.1585 1st Qu.:0.0054
## Median :0.1634 Median :0.1507 Median :0.2105 Median :0.0089
## Mean :0.1853 Mean :0.1519 Mean :0.2002 Mean :0.0156
## 3rd Qu.:0.2422 3rd Qu.:0.1887 3rd Qu.:0.2461 3rd Qu.:0.0238
## Max. :0.4999 Max. :0.3149 Max. :0.3695 Max. :0.0573
## NA's :1633 NA's :1516 NA's :1503 NA's :1777
## fin13e fin13f fin13f_1 fin15
## Min. :0.0064 Min. :0.0044 Min. :0.0015 Min. :0.0316
## 1st Qu.:0.1218 1st Qu.:0.0888 1st Qu.:0.0354 1st Qu.:0.1010
## Median :0.1785 Median :0.1450 Median :0.0901 Median :0.1285
## Mean :0.2129 Mean :0.1691 Mean :0.1197 Mean :0.1348
## 3rd Qu.:0.2995 3rd Qu.:0.2051 3rd Qu.:0.1655 3rd Qu.:0.1554
## Max. :0.5758 Max. :0.6198 Max. :0.3476 Max. :0.3908
## NA's :1562 NA's :1609 NA's :1741 NA's :1621
## fin16 fin22f fin41 fin35
## Min. :0.0056 Min. :0.0000 Min. :0.0000 Min. :0.0035
## 1st Qu.:0.0636 1st Qu.:0.1882 1st Qu.:0.0088 1st Qu.:0.0255
## Median :0.0918 Median :0.2809 Median :0.0152 Median :0.0339
## Mean :0.0935 Mean :0.2984 Mean :0.0180 Mean :0.0411
## 3rd Qu.:0.1254 3rd Qu.:0.4000 3rd Qu.:0.0222 3rd Qu.:0.0602
## Max. :0.1931 Max. :0.6579 Max. :0.0726 Max. :0.0971
## NA's :1741 NA's :722 NA's :1723 NA's :1723
## fin44 fh1_fh2 fin28_29 fin31d_s
## Min. :0.0000 Min. :0.0524 Min. :0.0275 Min. :0.1424
## 1st Qu.:0.0417 1st Qu.:0.2383 1st Qu.:0.1573 1st Qu.:0.4458
## Median :0.0807 Median :0.3415 Median :0.2460 Median :0.5985
## Mean :0.0936 Mean :0.3869 Mean :0.2824 Mean :0.5935
## 3rd Qu.:0.1464 3rd Qu.:0.5224 3rd Qu.:0.3865 3rd Qu.:0.7268
## Max. :0.2727 Max. :0.8290 Max. :0.7403 Max. :0.9509
## NA's :1627 NA's :646 NA's :850 NA's :1740
## fin32_n33_34c_s fin34c_s fin43c_s fin32_acc_s
## Min. :0.3493 Min. :0.2583 Min. :0.5341 Min. :0.2922
## 1st Qu.:0.5681 1st Qu.:0.4304 1st Qu.:0.6676 1st Qu.:0.5517
## Median :0.6457 Median :0.5557 Median :0.7593 Median :0.7111
## Mean :0.6416 Mean :0.5366 Mean :0.7567 Mean :0.6788
## 3rd Qu.:0.7336 3rd Qu.:0.6392 3rd Qu.:0.8234 3rd Qu.:0.8120
## Max. :0.8391 Max. :0.7914 Max. :0.9554 Max. :0.9619
## NA's :1785 NA's :1776 NA's :1776 NA's :1749
## fin34a_s fin32_33_acc_s inactive_t_d_s fing2p_fin_s
## Min. :0.3066 Min. :0.7958 Min. :0.1609 Min. :0.3549
## 1st Qu.:0.4879 1st Qu.:0.9368 1st Qu.:0.1760 1st Qu.:0.6075
## Median :0.6487 Median :0.9717 Median :0.2132 Median :0.7406
## Mean :0.6440 Mean :0.9494 Mean :0.2795 Mean :0.7091
## 3rd Qu.:0.7742 3rd Qu.:0.9859 3rd Qu.:0.2762 3rd Qu.:0.8102
## Max. :0.9470 Max. :1.0000 Max. :0.6290 Max. :0.9593
## NA's :1760 NA's :1800 NA's :1807 NA's :1771
## fin32_33_34a_s fin32_n33_acc_s fin37_39_acc_s fin37_39c_s
## Min. :0.6721 Min. :0.3483 Min. :0.4731 Min. :0.4972
## 1st Qu.:0.8808 1st Qu.:0.6313 1st Qu.:0.7556 1st Qu.:0.4972
## Median :0.9242 Median :0.7135 Median :0.8189 Median :0.4972
## Mean :0.8993 Mean :0.7145 Mean :0.8091 Mean :0.4972
## 3rd Qu.:0.9511 3rd Qu.:0.8308 3rd Qu.:0.8942 3rd Qu.:0.4972
## Max. :0.9810 Max. :0.9520 Max. :0.9777 Max. :0.4972
## NA's :1801 NA's :1766 NA's :1791 NA's :1812
## fin31a_31b_s fin31a_s fin31b_s fin32_n33_34a_s
## Min. :0.1607 Min. :0.1409 Min. :0.1345 Min. :0.4155
## 1st Qu.:0.3147 1st Qu.:0.2571 1st Qu.:0.2835 1st Qu.:0.5717
## Median :0.4954 Median :0.3130 Median :0.4591 Median :0.6563
## Mean :0.5048 Mean :0.3819 Mean :0.4658 Mean :0.6858
## 3rd Qu.:0.6665 3rd Qu.:0.4955 3rd Qu.:0.6134 3rd Qu.:0.8403
## Max. :0.9652 Max. :0.9302 Max. :0.9416 Max. :0.9348
## NA's :1750 NA's :1769 NA's :1758 NA's :1776
## fin37_39a_s fin34d_s fin32_33_34d_s fin32_n33_34d_s fing2p_card_s
## Min. :0.5634 Min. : NA Mode:logical Min. : NA Mode:logical
## 1st Qu.:0.7258 1st Qu.: NA NA's:1813 1st Qu.: NA NA's:1813
## Median :0.7466 Median : NA Median : NA
## Mean :0.7614 Mean :NaN Mean :NaN
## 3rd Qu.:0.8404 3rd Qu.: NA 3rd Qu.: NA
## Max. :0.9005 Max. : NA Max. : NA
## NA's :1795 NA's :1813 NA's :1813
## fin37_39d_s fin42_acc_s fin32_33_34c_s fin37_38_39c_s fin38_39c_s
## Min. : NA Mode:logical Mode:logical Min. :0.3662 Min. :0.4878
## 1st Qu.: NA NA's:1813 NA's:1813 1st Qu.:0.4484 1st Qu.:0.5208
## Median : NA Median :0.4787 Median :0.5537
## Mean :NaN Mean :0.4719 Mean :0.5396
## 3rd Qu.: NA 3rd Qu.:0.5045 3rd Qu.:0.5656
## Max. : NA Max. :0.5616 Max. :0.5774
## NA's :1813 NA's :1808 NA's :1810
## fing2p_acc_s fing2p_cash_s fin37_38_39a_s fin37_38_39_acc_s
## Min. :0.2404 Min. :0.1763 Min. :0.3323 Min. :0.3592
## 1st Qu.:0.6619 1st Qu.:0.2764 1st Qu.:0.6374 1st Qu.:0.6964
## Median :0.7857 Median :0.3880 Median :0.7312 Median :0.7846
## Mean :0.7513 Mean :0.3759 Mean :0.7106 Mean :0.7674
## 3rd Qu.:0.8523 3rd Qu.:0.4382 3rd Qu.:0.8118 3rd Qu.:0.8749
## Max. :0.9890 Max. :0.6044 Max. :0.9485 Max. :0.9839
## NA's :1763 NA's :1805 NA's :1781 NA's :1775
## fin38_39a_s fin38_39_acc_s fin34b_s fin32_n33_34b_s
## Min. :0.4527 Min. :0.4826 Min. :0.2648 Min. :0.2768
## 1st Qu.:0.6092 1st Qu.:0.6870 1st Qu.:0.4051 1st Qu.:0.4177
## Median :0.7512 Median :0.8030 Median :0.4322 Median :0.5044
## Mean :0.7387 Mean :0.7957 Mean :0.4642 Mean :0.5145
## 3rd Qu.:0.8763 3rd Qu.:0.9211 3rd Qu.:0.5098 3rd Qu.:0.6265
## Max. :0.9854 Max. :0.9905 Max. :0.6668 Max. :0.7073
## NA's :1796 NA's :1795 NA's :1791 NA's :1799
## fin43b_s fin27b_s fin27a_s fin22h_s
## Mode:logical Min. :0.2027 Min. :0.4813 Min. :0.6172
## NA's:1813 1st Qu.:0.3467 1st Qu.:0.6667 1st Qu.:0.6985
## Median :0.4543 Median :0.7614 Median :0.8031
## Mean :0.4930 Mean :0.7524 Mean :0.7768
## 3rd Qu.:0.6806 3rd Qu.:0.8618 3rd Qu.:0.8519
## Max. :0.8697 Max. :0.9514 Max. :0.8895
## NA's :1797 NA's :1773 NA's :1801
## fin28_29_s fin28_s fin29_s fing2p_mob_s
## Min. :0.3745 Min. :0.4619 Min. :0.4151 Mode:logical
## 1st Qu.:0.5447 1st Qu.:0.5995 1st Qu.:0.5455 NA's:1813
## Median :0.6562 Median :0.7064 Median :0.6759
## Mean :0.6454 Mean :0.6834 Mean :0.6523
## 3rd Qu.:0.7500 3rd Qu.:0.7601 3rd Qu.:0.7403
## Max. :0.8886 Max. :0.8820 Max. :0.8808
## NA's :1740 NA's :1757 NA's :1750
## fin37_38_39d_s fin37_38_39b_s fin37_39b_s fin11_2a_s fin11b_s
## Mode:logical Mode:logical Mode:logical Min. :0.2708 Min. :0.1814
## NA's:1813 NA's:1813 NA's:1813 1st Qu.:0.3920 1st Qu.:0.3649
## Median :0.4340 Median :0.4433
## Mean :0.4670 Mean :0.4414
## 3rd Qu.:0.5469 3rd Qu.:0.5182
## Max. :0.7867 Max. :0.7114
## NA's :1776 NA's :1783
## fin11f_s fin11d_s fin11e_s fin9b_s
## Min. :0.1784 Min. :0.2219 Min. :0.1395 Min. :0.2600
## 1st Qu.:0.2553 1st Qu.:0.3511 1st Qu.:0.3076 1st Qu.:0.4127
## Median :0.3271 Median :0.5698 Median :0.4190 Median :0.5101
## Mean :0.3283 Mean :0.5353 Mean :0.4257 Mean :0.5217
## 3rd Qu.:0.3597 3rd Qu.:0.6831 3rd Qu.:0.5207 3rd Qu.:0.6279
## Max. :0.6979 Max. :0.9009 Max. :0.8865 Max. :0.8815
## NA's :1789 NA's :1777 NA's :1766 NA's :1748
## fin11_1_s fin5m_s fin6m_s fin9a_s
## Min. :0.1765 Min. :0.2242 Min. :0.1961 Min. :0.2460
## 1st Qu.:0.1940 1st Qu.:0.4127 1st Qu.:0.3198 1st Qu.:0.3805
## Median :0.2062 Median :0.4997 Median :0.3807 Median :0.4458
## Mean :0.2498 Mean :0.5364 Mean :0.3956 Mean :0.4759
## 3rd Qu.:0.2265 3rd Qu.:0.6594 3rd Qu.:0.4497 3rd Qu.:0.5574
## Max. :0.5485 Max. :0.8303 Max. :0.7486 Max. :0.8855
## NA's :1804 NA's :1746 NA's :1751 NA's :1745
## fin5w_s fin6w_s fin17dm_s fin17dlm_s
## Min. :0.1204 Min. :0.1131 Min. :0.2955 Min. :0.2061
## 1st Qu.:0.1593 1st Qu.:0.2779 1st Qu.:0.4402 1st Qu.:0.3309
## Median :0.2120 Median :0.3640 Median :0.4978 Median :0.3898
## Mean :0.2113 Mean :0.3577 Mean :0.4931 Mean :0.4031
## 3rd Qu.:0.2633 3rd Qu.:0.4209 3rd Qu.:0.5738 3rd Qu.:0.4813
## Max. :0.3364 Max. :0.7273 Max. :0.6519 Max. :0.6189
## NA's :1797 NA's :1775 NA's :1764 NA's :1776
## fin25e3w_s fin25e3m_s fin24d1_s fin14d_s
## Min. :0.2801 Min. :0.1473 Min. :0.1848 Min. :0.2603
## 1st Qu.:0.5379 1st Qu.:0.2240 1st Qu.:0.5467 1st Qu.:0.4750
## Median :0.6564 Median :0.2440 Median :0.5946 Median :0.5384
## Mean :0.6403 Mean :0.3055 Mean :0.5969 Mean :0.5386
## 3rd Qu.:0.7384 3rd Qu.:0.3670 3rd Qu.:0.6741 3rd Qu.:0.6248
## Max. :0.8870 Max. :0.5550 Max. :0.8485 Max. :0.8019
## NA's :1774 NA's :1794 NA's :1763 NA's :1779
## fin24d2_s fin11a_s fin11c_s fin5lm_s
## Min. :0.2294 Min. :0.1644 Min. :0.2067 Min. :0.1202
## 1st Qu.:0.5806 1st Qu.:0.3040 1st Qu.:0.2627 1st Qu.:0.1902
## Median :0.6495 Median :0.3940 Median :0.2963 Median :0.2376
## Mean :0.6254 Mean :0.3842 Mean :0.3119 Mean :0.2765
## 3rd Qu.:0.7168 3rd Qu.:0.4849 3rd Qu.:0.3579 3rd Qu.:0.3572
## Max. :0.8679 Max. :0.5393 Max. :0.4831 Max. :0.5199
## NA's :1766 NA's :1789 NA's :1791 NA's :1788
## fin6lm_s fin17dw_s fin14c_s fin13_1a_s
## Min. :0.1263 Mode:logical Min. :0.1676 Min. :0.3882
## 1st Qu.:0.1924 NA's:1813 1st Qu.:0.2286 1st Qu.:0.5161
## Median :0.2369 Median :0.3033 Median :0.6059
## Mean :0.2747 Mean :0.3292 Mean :0.5942
## 3rd Qu.:0.3369 3rd Qu.:0.4108 3rd Qu.:0.6799
## Max. :0.5735 Max. :0.6495 Max. :0.7477
## NA's :1784 NA's :1789 NA's :1790
## fin13_1b_s fin13am_s fin13alm_s fin13bm_s
## Min. :0.2404 Min. :0.2445 Min. :0.2014 Min. :0.2160
## 1st Qu.:0.3238 1st Qu.:0.2854 1st Qu.:0.3150 1st Qu.:0.2363
## Median :0.3724 Median :0.3369 Median :0.4228 Median :0.2783
## Mean :0.3863 Mean :0.3498 Mean :0.3931 Mean :0.2949
## 3rd Qu.:0.4587 3rd Qu.:0.3605 3rd Qu.:0.4692 3rd Qu.:0.3322
## Max. :0.5525 Max. :0.5478 Max. :0.5156 Max. :0.4463
## NA's :1796 NA's :1789 NA's :1789 NA's :1791
## fin13blm_s fin13cm_s fin13clm_s fin21_s
## Min. :0.2111 Min. :0.1816 Min. :0.1790 Min. :0.5848
## 1st Qu.:0.3606 1st Qu.:0.2365 1st Qu.:0.3344 1st Qu.:0.7604
## Median :0.4581 Median :0.2794 Median :0.4150 Median :0.7991
## Mean :0.4284 Mean :0.2906 Mean :0.3991 Mean :0.7936
## 3rd Qu.:0.5171 3rd Qu.:0.3385 3rd Qu.:0.4708 3rd Qu.:0.8376
## Max. :0.5882 Max. :0.4641 Max. :0.5332 Max. :0.9364
## NA's :1789 NA's :1791 NA's :1790 NA's :1798
## fin14b_s fin13cw_s fin13f_s fin14a_s
## Min. :0.1566 Mode:logical Min. :0.1817 Min. :0.1918
## 1st Qu.:0.2367 NA's:1813 1st Qu.:0.2341 1st Qu.:0.2370
## Median :0.3067 Median :0.2630 Median :0.3194
## Mean :0.3069 Mean :0.2989 Mean :0.3168
## 3rd Qu.:0.3676 3rd Qu.:0.3105 3rd Qu.:0.3694
## Max. :0.4639 Max. :0.6086 Max. :0.5483
## NA's :1795 NA's :1799 NA's :1794
## fin25e3lm_s fin13aw_s fin13bw_s fin24d3_s fin5n_s
## Mode:logical Mode:logical Mode:logical Mode:logical Mode:logical
## NA's:1813 NA's:1813 NA's:1813 NA's:1813 NA's:1813
##
##
##
##
##
## fin6n_s fin13f_1_s fin32_33_34b_s con1 con2a
## Mode:logical Mode:logical Mode:logical Min. :0.2564 Min. :0.0071
## NA's:1813 NA's:1813 NA's:1813 1st Qu.:0.8361 1st Qu.:0.1052
## Median :0.9155 Median :0.1530
## Mean :0.8781 Mean :0.1866
## 3rd Qu.:0.9619 3rd Qu.:0.2494
## Max. :1.0000 Max. :0.5838
## NA's :1285
## con2b con2c con2d con2e
## Min. :0.0044 Min. :0.0000 Min. :0.0036 Min. :0.0009
## 1st Qu.:0.0594 1st Qu.:0.0242 1st Qu.:0.0513 1st Qu.:0.0200
## Median :0.1091 Median :0.0650 Median :0.1084 Median :0.0432
## Mean :0.1289 Mean :0.0943 Mean :0.1221 Mean :0.0664
## 3rd Qu.:0.1833 3rd Qu.:0.1626 3rd Qu.:0.1796 3rd Qu.:0.0892
## Max. :0.3790 Max. :0.3254 Max. :0.3780 Max. :0.2764
## NA's :1596 NA's :1678 NA's :1582 NA's :1702
## con2f con2g con3a con3b
## Min. :0.0034 Min. :0.0038 Min. :0.0032 Min. :0.0000
## 1st Qu.:0.0309 1st Qu.:0.0700 1st Qu.:0.0928 1st Qu.:0.0014
## Median :0.0757 Median :0.1084 Median :0.1495 Median :0.0033
## Mean :0.0775 Mean :0.1149 Mean :0.1737 Mean :0.0066
## 3rd Qu.:0.1121 3rd Qu.:0.1583 3rd Qu.:0.2364 3rd Qu.:0.0085
## Max. :0.2430 Max. :0.3085 Max. :0.4802 Max. :0.0502
## NA's :1678 NA's :1594 NA's :1450 NA's :1738
## con3c con3d con3e con3f
## Min. :0.0000 Min. :0.0017 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0011 1st Qu.:0.0095 1st Qu.:0.0027 1st Qu.:0.0011
## Median :0.0027 Median :0.0168 Median :0.0074 Median :0.0036
## Mean :0.0054 Mean :0.0216 Mean :0.0123 Mean :0.0051
## 3rd Qu.:0.0054 3rd Qu.:0.0280 3rd Qu.:0.0175 3rd Qu.:0.0072
## Max. :0.0382 Max. :0.0782 Max. :0.0762 Max. :0.0282
## NA's :1738 NA's :1738 NA's :1738 NA's :1738
## con3g con4 con5a con5b
## Min. :0.0009 Min. :0.0080 Min. :0.0044 Min. :0.0007
## 1st Qu.:0.0080 1st Qu.:0.0886 1st Qu.:0.0214 1st Qu.:0.0317
## Median :0.0131 Median :0.1247 Median :0.0337 Median :0.0993
## Mean :0.0151 Mean :0.1230 Mean :0.0465 Mean :0.0916
## 3rd Qu.:0.0188 3rd Qu.:0.1564 3rd Qu.:0.0534 3rd Qu.:0.1357
## Max. :0.0592 Max. :0.2581 Max. :0.2085 Max. :0.2249
## NA's :1738 NA's :1474 NA's :1726 NA's :1618
## con6 con7 con8 con9a
## Min. :0.0000 Min. :0.0024 Min. :0.0031 Min. :0.06615
## 1st Qu.:0.0050 1st Qu.:0.0104 1st Qu.:0.0710 1st Qu.:0.56611
## Median :0.0120 Median :0.0192 Median :0.1058 Median :0.77462
## Mean :0.0140 Mean :0.0217 Mean :0.1152 Mean :0.70071
## 3rd Qu.:0.0196 3rd Qu.:0.0281 3rd Qu.:0.1531 3rd Qu.:0.88127
## Max. :0.0646 Max. :0.0835 Max. :0.3109 Max. :1.00000
## NA's :1738 NA's :1738 NA's :1558 NA's :24
## con9b con10 con11 con12d
## Min. :0.0000 Min. :0.0000 Min. :0.0989 Min. :0.1216
## 1st Qu.:0.1383 1st Qu.:0.0276 1st Qu.:0.5117 1st Qu.:0.6382
## Median :0.2324 Median :0.0988 Median :0.6405 Median :0.7506
## Mean :0.2593 Mean :0.0917 Mean :0.6147 Mean :0.7197
## 3rd Qu.:0.3658 3rd Qu.:0.1366 3rd Qu.:0.7347 3rd Qu.:0.8356
## Max. :0.6983 Max. :0.2615 Max. :0.9039 Max. :0.9763
## NA's :761 NA's :1654 NA's :841 NA's :841
## con12w con12m con12lm con13
## Min. :0.0173 Min. :0.0000 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0462 1st Qu.:0.0075 1st Qu.:0.0066 1st Qu.:0.0064
## Median :0.0793 Median :0.0148 Median :0.0114 Median :0.0141
## Mean :0.0847 Mean :0.0331 Mean :0.0166 Mean :0.0561
## 3rd Qu.:0.1144 3rd Qu.:0.0309 3rd Qu.:0.0205 3rd Qu.:0.0254
## Max. :0.2517 Max. :0.1638 Max. :0.0851 Max. :0.4376
## NA's :1681 NA's :1726 NA's :1738 NA's :1728
## con14 con15 con16 con17a
## Min. :0.0944 Min. :0.0630 Min. :0.0351 Min. :0.0534
## 1st Qu.:0.4889 1st Qu.:0.2946 1st Qu.:0.4092 1st Qu.:0.2934
## Median :0.6567 Median :0.3976 Median :0.5821 Median :0.4111
## Mean :0.6301 Mean :0.4013 Mean :0.5685 Mean :0.4087
## 3rd Qu.:0.7923 3rd Qu.:0.4949 3rd Qu.:0.7453 3rd Qu.:0.5316
## Max. :0.9827 Max. :0.8089 Max. :0.9751 Max. :0.8376
## NA's :841 NA's :1748 NA's :841 NA's :841
## con17b con17c con17d con18
## Min. :0.0504 Min. :0.0000 Min. :0.0067 Min. :0.0736
## 1st Qu.:0.2200 1st Qu.:0.0084 1st Qu.:0.0646 1st Qu.:0.3637
## Median :0.3065 Median :0.0220 Median :0.1271 Median :0.4859
## Mean :0.3123 Mean :0.0413 Mean :0.1211 Mean :0.4895
## 3rd Qu.:0.3893 3rd Qu.:0.0430 3rd Qu.:0.1683 3rd Qu.:0.6190
## Max. :0.6685 Max. :0.1996 Max. :0.3001 Max. :0.9623
## NA's :841 NA's :1726 NA's :1582 NA's :841
## con19 con20 con21 con22
## Min. :0.0449 Min. :0.0408 Min. :0.0195 Min. :0.0000
## 1st Qu.:0.2769 1st Qu.:0.1242 1st Qu.:0.1316 1st Qu.:0.0058
## Median :0.4006 Median :0.1672 Median :0.1888 Median :0.0106
## Mean :0.4107 Mean :0.1950 Mean :0.2142 Mean :0.0146
## 3rd Qu.:0.5374 3rd Qu.:0.2543 3rd Qu.:0.2708 3rd Qu.:0.0205
## Max. :0.9209 Max. :0.5283 Max. :0.6609 Max. :0.0630
## NA's :841 NA's :1078 NA's :1091 NA's :1738
## con23 internet con26d con26w
## Min. :0.0095 Min. :0.0414 Min. :0.0191 Min. :0.0227
## 1st Qu.:0.1007 1st Qu.:0.5919 1st Qu.:0.2668 1st Qu.:0.0925
## Median :0.1271 Median :0.8275 Median :0.4915 Median :0.1163
## Mean :0.1319 Mean :0.7362 Mean :0.4902 Mean :0.1141
## 3rd Qu.:0.1636 3rd Qu.:0.9308 3rd Qu.:0.7166 3rd Qu.:0.1366
## Max. :0.2887 Max. :1.0000 Max. :0.9674 Max. :0.2553
## NA's :1331 NA's :937 NA's :1417
## con26m con26lm con27 con28d
## Min. :0.0064 Min. :0.0019 Min. :0.0549 Min. :0.0028
## 1st Qu.:0.0177 1st Qu.:0.0174 1st Qu.:0.3232 1st Qu.:0.0670
## Median :0.0266 Median :0.0365 Median :0.4512 Median :0.1284
## Mean :0.0393 Mean :0.0517 Mean :0.4547 Mean :0.1363
## 3rd Qu.:0.0478 3rd Qu.:0.0744 3rd Qu.:0.5761 3rd Qu.:0.1974
## Max. :0.1813 Max. :0.1840 Max. :0.9582 Max. :0.3564
## NA's :1728 NA's :1714 NA's :865 NA's :1570
## con28w con28m con28lm con28n
## Min. :0.0080 Min. :0.0075 Min. :0.0064 Min. :0.0000
## 1st Qu.:0.1177 1st Qu.:0.1484 1st Qu.:0.0198 1st Qu.:0.0000
## Median :0.1649 Median :0.2884 Median :0.0393 Median :0.0000
## Mean :0.1880 Mean :0.3006 Mean :0.0480 Mean :0.0005
## 3rd Qu.:0.2308 3rd Qu.:0.4058 3rd Qu.:0.0553 3rd Qu.:0.0006
## Max. :0.8709 Max. :0.7883 Max. :0.1703 Max. :0.0038
## NA's :1213 NA's :1199 NA's :1726 NA's :1738
## con29 con30a con30b con30c
## Min. :0.0027 Min. :0.0431 Min. :0.0578 Min. :0.0475
## 1st Qu.:0.0905 1st Qu.:0.3119 1st Qu.:0.2979 1st Qu.:0.3301
## Median :0.1286 Median :0.4762 Median :0.4492 Median :0.5489
## Mean :0.1271 Mean :0.4781 Mean :0.4554 Mean :0.5185
## 3rd Qu.:0.1662 3rd Qu.:0.6349 3rd Qu.:0.5895 3rd Qu.:0.7054
## Max. :0.3027 Max. :0.9763 Max. :0.9664 Max. :0.9846
## NA's :1534 NA's :889 NA's :889 NA's :853
## con30d con30e con30f con30g
## Min. :0.0425 Min. :0.0128 Min. :0.0065 Min. :0.0144
## 1st Qu.:0.2704 1st Qu.:0.1956 1st Qu.:0.0751 1st Qu.:0.1200
## Median :0.4384 Median :0.3000 Median :0.1103 Median :0.1859
## Mean :0.4412 Mean :0.3262 Mean :0.1130 Mean :0.2075
## 3rd Qu.:0.5981 3rd Qu.:0.4390 3rd Qu.:0.1502 3rd Qu.:0.2668
## Max. :0.9430 Max. :0.9004 Max. :0.2899 Max. :0.7600
## NA's :889 NA's :925 NA's :1537 NA's :1057
## con30h con31a con31b con31c
## Min. :0.0174 Min. :0.0000 Min. :0.0096 Min. :0.0000
## 1st Qu.:0.1145 1st Qu.:0.1402 1st Qu.:0.0984 1st Qu.:0.0593
## Median :0.1640 Median :0.2321 Median :0.1292 Median :0.0951
## Mean :0.1676 Mean :0.2453 Mean :0.1346 Mean :0.0992
## 3rd Qu.:0.2124 3rd Qu.:0.3416 3rd Qu.:0.1665 3rd Qu.:0.1316
## Max. :0.4392 Max. :0.5739 Max. :0.3650 Max. :0.2587
## NA's :1297 NA's :1117 NA's :1306 NA's :1630
## con31d con31e con31f con31g
## Min. :0.0000 Min. :0.0021 Min. :0.0016 Min. :0.0021
## 1st Qu.:0.0884 1st Qu.:0.0132 1st Qu.:0.0739 1st Qu.:0.0193
## Median :0.1332 Median :0.0236 Median :0.1120 Median :0.0339
## Mean :0.1320 Mean :0.0266 Mean :0.1087 Mean :0.0384
## 3rd Qu.:0.1711 3rd Qu.:0.0352 3rd Qu.:0.1386 3rd Qu.:0.0553
## Max. :0.3636 Max. :0.0891 Max. :0.3290 Max. :0.0994
## NA's :1331 NA's :1738 NA's :1594 NA's :1738
## con31h con32a con32b con32c
## Min. :0.0000 Min. :0.0019 Min. :0.0004 Min. :0.0000
## 1st Qu.:0.0797 1st Qu.:0.1417 1st Qu.:0.0041 1st Qu.:0.0020
## Median :0.1077 Median :0.2315 Median :0.0090 Median :0.0050
## Mean :0.1120 Mean :0.2273 Mean :0.0130 Mean :0.0079
## 3rd Qu.:0.1369 3rd Qu.:0.3081 3rd Qu.:0.0171 3rd Qu.:0.0118
## Max. :0.4435 Max. :0.5008 Max. :0.0555 Max. :0.0333
## NA's :1523 NA's :1249 NA's :1738 NA's :1738
## con32d con32e con32f con32g
## Min. :0.0026 Min. :0.0000 Min. :0.0000 Min. :0.0000
## 1st Qu.:0.0155 1st Qu.:0.0006 1st Qu.:0.0030 1st Qu.:0.0027
## Median :0.0262 Median :0.0020 Median :0.0061 Median :0.0047
## Mean :0.0295 Mean :0.0036 Mean :0.0089 Mean :0.0052
## 3rd Qu.:0.0407 3rd Qu.:0.0047 3rd Qu.:0.0109 3rd Qu.:0.0069
## Max. :0.0715 Max. :0.0311 Max. :0.0582 Max. :0.0163
## NA's :1738 NA's :1738 NA's :1738 NA's :1738
## con32h con10_s con11_s con12d_s
## Min. :0.0000 Min. :0.2031 Min. :0.5360 Min. :0.2126
## 1st Qu.:0.0104 1st Qu.:0.3398 1st Qu.:0.7046 1st Qu.:0.8584
## Median :0.0210 Median :0.5737 Median :0.7594 Median :0.9008
## Mean :0.0377 Mean :0.5210 Mean :0.7566 Mean :0.8758
## 3rd Qu.:0.0361 3rd Qu.:0.6953 3rd Qu.:0.8339 3rd Qu.:0.9277
## Max. :0.2638 Max. :0.8000 Max. :0.9487 Max. :0.9664
## NA's :1726 NA's :1806 NA's :1738 NA's :1738
## con14_s con16_s con17a_s con17b_s
## Min. :0.3400 Min. :0.2607 Min. :0.2091 Min. :0.1144
## 1st Qu.:0.6722 1st Qu.:0.5724 1st Qu.:0.3885 1st Qu.:0.2803
## Median :0.7836 Median :0.6903 Median :0.5078 Median :0.4035
## Mean :0.7550 Mean :0.6773 Mean :0.4899 Mean :0.3947
## 3rd Qu.:0.8919 3rd Qu.:0.8325 3rd Qu.:0.5948 3rd Qu.:0.4762
## Max. :0.9735 Max. :0.9500 Max. :0.8077 Max. :0.7377
## NA's :1738 NA's :1738 NA's :1738 NA's :1738
## con18_s con19_s con20_s con21_s
## Min. :0.3184 Min. :0.6708 Min. :0.1131 Min. :0.1134
## 1st Qu.:0.4842 1st Qu.:0.7851 1st Qu.:0.1633 1st Qu.:0.1673
## Median :0.5697 Median :0.8310 Median :0.2168 Median :0.2531
## Mean :0.5821 Mean :0.8250 Mean :0.2402 Mean :0.2715
## 3rd Qu.:0.6872 3rd Qu.:0.8750 3rd Qu.:0.2965 3rd Qu.:0.3177
## Max. :0.8161 Max. :0.9690 Max. :0.5379 Max. :0.7093
## NA's :1738 NA's :1738 NA's :1758 NA's :1759
## con26d_s con27_s con28m_s con30a_s
## Min. :0.2841 Min. :0.3385 Min. :0.1794 Min. :0.3520
## 1st Qu.:0.6112 1st Qu.:0.6497 1st Qu.:0.4068 1st Qu.:0.6542
## Median :0.7624 Median :0.8179 Median :0.6064 Median :0.7679
## Mean :0.7222 Mean :0.7667 Mean :0.5987 Mean :0.7465
## 3rd Qu.:0.8560 3rd Qu.:0.8730 3rd Qu.:0.8330 3rd Qu.:0.8500
## Max. :0.9551 Max. :0.9655 Max. :0.9371 Max. :0.9816
## NA's :1746 NA's :1740 NA's :1768 NA's :1742
## con30b_s con30c_s con30d_s con30e_s
## Min. :0.4273 Min. :0.3241 Min. :0.3606 Min. :0.2266
## 1st Qu.:0.6436 1st Qu.:0.8093 1st Qu.:0.6111 1st Qu.:0.4270
## Median :0.7253 Median :0.8369 Median :0.6919 Median :0.5297
## Mean :0.7157 Mean :0.8266 Mean :0.6868 Mean :0.5108
## 3rd Qu.:0.7729 3rd Qu.:0.8863 3rd Qu.:0.7656 3rd Qu.:0.6112
## Max. :0.9440 Max. :0.9834 Max. :0.9082 Max. :0.7686
## NA's :1742 NA's :1739 NA's :1742 NA's :1745
## con30f_s con30g_s con30h_s con31a_s
## Mode:logical Min. :0.1252 Min. :0.1347 Min. :0.2975
## NA's:1813 1st Qu.:0.2415 1st Qu.:0.1853 1st Qu.:0.3660
## Median :0.3011 Median :0.2257 Median :0.4387
## Mean :0.3227 Mean :0.2410 Mean :0.4592
## 3rd Qu.:0.3982 3rd Qu.:0.2739 3rd Qu.:0.5449
## Max. :0.6477 Max. :0.4657 Max. :0.6548
## NA's :1756 NA's :1776 NA's :1761
## con31b_s con31f_s con2a_s con15_s
## Min. :0.1282 Min. :0.1232 Min. :0.5203 Mode:logical
## 1st Qu.:0.2005 1st Qu.:0.1740 1st Qu.:0.6901 NA's:1813
## Median :0.2654 Median :0.3200 Median :0.7814
## Mean :0.2808 Mean :0.3033 Mean :0.7556
## 3rd Qu.:0.3449 3rd Qu.:0.4033 3rd Qu.:0.8375
## Max. :0.5694 Max. :0.5694 Max. :0.9536
## NA's :1777 NA's :1801 NA's :1775
## con17d_s con29_s con31d_s con31h_s
## Min. :0.1271 Mode:logical Min. :0.1553 Min. :0.1268
## 1st Qu.:0.1457 NA's:1813 1st Qu.:0.1915 1st Qu.:0.1619
## Median :0.1560 Median :0.2527 Median :0.2005
## Mean :0.1696 Mean :0.2624 Mean :0.2468
## 3rd Qu.:0.1854 3rd Qu.:0.3090 3rd Qu.:0.2462
## Max. :0.2340 Max. :0.5112 Max. :0.6672
## NA's :1800 NA's :1779 NA's :1795
## con32a_s con3a_s con4_s con28d_s
## Min. :0.1981 Min. :0.4479 Min. :0.2838 Min. :0.1790
## 1st Qu.:0.3090 1st Qu.:0.5519 1st Qu.:0.3482 1st Qu.:0.3502
## Median :0.3797 Median :0.6321 Median :0.4652 Median :0.4044
## Mean :0.3955 Mean :0.6401 Mean :0.4683 Mean :0.3901
## 3rd Qu.:0.4714 3rd Qu.:0.7090 3rd Qu.:0.5770 3rd Qu.:0.4595
## Max. :0.6085 Max. :0.8949 Max. :0.6838 Max. :0.5084
## NA's :1772 NA's :1789 NA's :1791 NA's :1799
## con28w_s con23_s con31c_s con2b_s
## Min. :0.1791 Min. :0.1093 Min. :0.1104 Min. :0.3350
## 1st Qu.:0.3159 1st Qu.:0.1379 1st Qu.:0.1510 1st Qu.:0.3881
## Median :0.4042 Median :0.1535 Median :0.1706 Median :0.4874
## Mean :0.4220 Mean :0.1679 Mean :0.1807 Mean :0.5229
## 3rd Qu.:0.5038 3rd Qu.:0.1997 3rd Qu.:0.2195 3rd Qu.:0.6455
## Max. :0.8747 Max. :0.2909 Max. :0.2618 Max. :0.8025
## NA's :1769 NA's :1779 NA's :1804 NA's :1801
## con2d_s con26w_s con2c_s con2e_s
## Min. :0.3501 Min. :0.1301 Min. :0.2754 Min. :0.2300
## 1st Qu.:0.4300 1st Qu.:0.1839 1st Qu.:0.3072 1st Qu.:0.3083
## Median :0.4878 Median :0.2119 Median :0.3145 Median :0.3865
## Mean :0.4871 Mean :0.2239 Mean :0.3631 Mean :0.3907
## 3rd Qu.:0.5236 3rd Qu.:0.2654 3rd Qu.:0.3833 3rd Qu.:0.4710
## Max. :0.6061 Max. :0.3497 Max. :0.5353 Max. :0.5555
## NA's :1800 NA's :1786 NA's :1808 NA's :1810
## con2g_s con5b_s con12m_s con26lm_s
## Min. :0.2527 Min. :0.6729 Mode:logical Mode:logical
## 1st Qu.:0.3486 1st Qu.:0.8274 NA's:1813 NA's:1813
## Median :0.4306 Median :0.8492
## Mean :0.4170 Mean :0.8482
## 3rd Qu.:0.4857 3rd Qu.:0.8850
## Max. :0.6188 Max. :0.9684
## NA's :1801 NA's :1803
## con12w_s con2f_s con13_s con26m_s con28lm_s
## Min. :0.1208 Min. :0.2235 Mode:logical Mode:logical Mode:logical
## 1st Qu.:0.1277 1st Qu.:0.2698 NA's:1813 NA's:1813 NA's:1813
## Median :0.1410 Median :0.2938
## Mean :0.1489 Mean :0.3704
## 3rd Qu.:0.1586 3rd Qu.:0.4030
## Max. :0.1962 Max. :0.6620
## NA's :1808 NA's :1808
## con5a_s con17c_s con32h_s
## Mode:logical Mode:logical Mode:logical
## NA's:1813 NA's:1813 NA's:1813
##
##
##
##
## ## [1] 1813 437# Cek jumlah NA per kolom
na_summary <- colSums(is.na(df_2024))
na_summary <- sort(na_summary, decreasing = TRUE)
head(na_summary, 20) # tampilkan 20 kolom paling banyak NA## fin34d_s fin32_33_34d_s fin32_n33_34d_s fing2p_card_s fin37_39d_s
## 1813 1813 1813 1813 1813
## fin42_acc_s fin32_33_34c_s fin43b_s fing2p_mob_s fin37_38_39d_s
## 1813 1813 1813 1813 1813
## fin37_38_39b_s fin37_39b_s fin17dw_s fin13cw_s fin25e3lm_s
## 1813 1813 1813 1813 1813
## fin13aw_s fin13bw_s fin24d3_s fin5n_s fin6n_s
## 1813 1813 1813 1813 1813# Ubah Y ke factor
df_2024$regionwb24_hi <- as.factor(df_2024$regionwb24_hi)
# Ubah Y ke factor
df_2024$regionwb24_hi <- as.factor(df_2024$regionwb24_hi)
# Daftar X
X_vars <- df_2024 %>% dplyr::select(-regionwb24_hi)
# Buang variabel dengan NA > 70%
X_vars <- X_vars %>% dplyr::select(where(~ mean(is.na(.)) < 0.7))
# Buang variabel X dengan 1 level
X_vars <- X_vars %>% dplyr::select(where(~ dplyr::n_distinct(.) > 1))
# Gabungkan
df_model <- bind_cols(regionwb24_hi = df_2024$regionwb24_hi, X_vars)
# Drop NA
df_model <- df_model %>% drop_na()
# Buang lagi kolom yang tinggal 1 level setelah drop_na
df_model <- df_model %>% dplyr::select(where(~ dplyr::n_distinct(.) > 1))
summary(df_model)## regionwb24_hi countrynewwb
## East Asia & Pacific (excluding high income) : 7 Length:40
## Europe & Central Asia (excluding high income) : 3 Class :character
## High income : 1 Mode :character
## Latin America & Caribbean (excluding high income) :15
## Middle East & North Africa (excluding high income): 7
## South Asia (excluding high income) : 5
## Sub-Saharan Africa (excluding high income) : 2
## codewb pop_adult incomegroupwb24 account_t_d
## Length:40 Min. :3.001e+05 Length:40 Min. :0.2304
## Class :character 1st Qu.:6.278e+06 Class :character 1st Qu.:0.4324
## Mode :character Median :2.103e+07 Mode :character Median :0.5695
## Mean :6.915e+07 Mean :0.5829
## 3rd Qu.:7.684e+07 3rd Qu.:0.7098
## Max. :1.078e+09 Max. :0.9828
##
## fiaccount_t_d mobileaccount_t_d borrow_any_t_d fin4_d
## Min. :0.1828 Min. :0.02646 Min. :0.3788 Min. :0.06814
## 1st Qu.:0.3843 1st Qu.:0.10349 1st Qu.:0.4733 1st Qu.:0.17668
## Median :0.5239 Median :0.19168 Median :0.5428 Median :0.25302
## Mean :0.5475 Mean :0.22711 Mean :0.5544 Mean :0.30362
## 3rd Qu.:0.6988 3rd Qu.:0.34292 3rd Qu.:0.6365 3rd Qu.:0.41211
## Max. :0.9822 Max. :0.64030 Max. :0.7894 Max. :0.72051
##
## dig_acc fin11e fin26a fin26b
## Min. :0.0950 Min. :0.01327 Min. :0.01591 Min. :0.006909
## 1st Qu.:0.2094 1st Qu.:0.11975 1st Qu.:0.06776 1st Qu.:0.077062
## Median :0.3404 Median :0.17124 Median :0.14958 Median :0.148750
## Mean :0.3873 Mean :0.16711 Mean :0.19611 Mean :0.182939
## 3rd Qu.:0.5004 3rd Qu.:0.21700 3rd Qu.:0.26172 3rd Qu.:0.202275
## Max. :0.9620 Max. :0.32742 Max. :0.55425 Max. :0.540452
##
## fin27a fin17a_17a1_d fin17a fin17b
## Min. :0.006201 Min. :0.03159 Min. :0.03159 Min. :0.0009771
## 1st Qu.:0.032018 1st Qu.:0.13387 1st Qu.:0.10123 1st Qu.:0.0337784
## Median :0.060622 Median :0.22775 Median :0.20150 Median :0.0785180
## Mean :0.117297 Mean :0.23470 Mean :0.20014 Mean :0.1045478
## 3rd Qu.:0.143805 3rd Qu.:0.29757 3rd Qu.:0.25648 3rd Qu.:0.1324889
## Max. :0.487819 Max. :0.53577 Max. :0.49343 Max. :0.3206815
##
## fin17c fin22d fin22e fin22a_22a1_22g_d
## Min. :0.02683 Min. :0.03876 Min. :0.02317 Min. :0.01367
## 1st Qu.:0.06220 1st Qu.:0.12430 1st Qu.:0.05252 1st Qu.:0.09064
## Median :0.08384 Median :0.16630 Median :0.07549 Median :0.15068
## Mean :0.10506 Mean :0.17446 Mean :0.07952 Mean :0.15913
## 3rd Qu.:0.13385 3rd Qu.:0.19963 3rd Qu.:0.09479 3rd Qu.:0.18116
## Max. :0.32219 Max. :0.37739 Max. :0.16437 Max. :0.46922
##
## fin22a fin22b fin24sav fin24fam
## Min. :0.01367 Min. :0.1303 Min. :0.04718 Min. :0.2203
## 1st Qu.:0.08464 1st Qu.:0.2083 1st Qu.:0.09992 1st Qu.:0.3362
## Median :0.14077 Median :0.2688 Median :0.14173 Median :0.3936
## Mean :0.14974 Mean :0.2908 Mean :0.14680 Mean :0.4039
## 3rd Qu.:0.17579 3rd Qu.:0.3354 3rd Qu.:0.17667 3rd Qu.:0.4539
## Max. :0.45923 Max. :0.5871 Max. :0.37354 Max. :0.6185
##
## fin24work fin24sell fin24a_vd fin24a_sd
## Min. :0.02257 Min. :0.01142 Min. :0.1366 Min. :0.2042
## 1st Qu.:0.11391 1st Qu.:0.06978 1st Qu.:0.2762 1st Qu.:0.3034
## Median :0.15132 Median :0.09569 Median :0.3445 Median :0.3531
## Mean :0.16255 Mean :0.10163 Mean :0.3629 Mean :0.3515
## 3rd Qu.:0.20619 3rd Qu.:0.12575 3rd Qu.:0.4308 3rd Qu.:0.3911
## Max. :0.41575 Max. :0.25869 Max. :0.6898 Max. :0.5272
##
## fin24a_nd fin24a_sd_nd fin24a_p fin24a_n
## Min. :0.03976 Min. :0.2672 Min. :0.7504 Min. :0.01134
## 1st Qu.:0.12336 1st Qu.:0.4523 1st Qu.:0.8714 1st Qu.:0.04774
## Median :0.18393 Median :0.5442 Median :0.8992 Median :0.10076
## Mean :0.18126 Mean :0.5327 Mean :0.9016 Mean :0.09839
## 3rd Qu.:0.21748 3rd Qu.:0.6127 3rd Qu.:0.9523 3rd Qu.:0.12858
## Max. :0.38871 Max. :0.8053 Max. :0.9887 Max. :0.24961
##
## fin24sav_sd_nd fin24fam_sd_nd fin24work_sd_nd fin24fam_vd
## Min. :0.04210 Min. :0.1010 Min. :0.01361 Min. :0.08008
## 1st Qu.:0.07398 1st Qu.:0.1635 1st Qu.:0.07396 1st Qu.:0.12623
## Median :0.10593 Median :0.2051 Median :0.09161 Median :0.18882
## Mean :0.11410 Mean :0.2169 Mean :0.10827 Mean :0.18390
## 3rd Qu.:0.13581 3rd Qu.:0.2627 3rd Qu.:0.11913 3rd Qu.:0.22775
## Max. :0.26509 Max. :0.4223 Max. :0.33334 Max. :0.29841
##
## fh1 fin28 fh2 fin29
## Min. :0.07235 Min. :0.02204 Min. :0.1128 Min. :0.01976
## 1st Qu.:0.12075 1st Qu.:0.06534 1st Qu.:0.1757 1st Qu.:0.07797
## Median :0.17777 Median :0.09951 Median :0.2129 Median :0.11625
## Mean :0.18386 Mean :0.11515 Mean :0.2302 Mean :0.12731
## 3rd Qu.:0.22505 3rd Qu.:0.14955 3rd Qu.:0.2453 3rd Qu.:0.16372
## Max. :0.41981 Max. :0.28498 Max. :0.4890 Max. :0.32018
##
## fin31a_31b fin30 fin31a fin31b
## Min. :0.01871 Min. :0.2067 Min. :0.01352 Min. :0.005688
## 1st Qu.:0.10166 1st Qu.:0.3990 1st Qu.:0.05912 1st Qu.:0.040200
## Median :0.15087 Median :0.5405 Median :0.11137 Median :0.116057
## Mean :0.19465 Mean :0.5167 Mean :0.14523 Mean :0.147585
## 3rd Qu.:0.27129 3rd Qu.:0.6289 3rd Qu.:0.19662 3rd Qu.:0.226112
## Max. :0.71884 Max. :0.7579 Max. :0.69278 Max. :0.576969
##
## fin31d fin32_n33_acc fin32_n33 fin32
## Min. :0.02237 Min. :0.01903 Min. :0.0602 Min. :0.09019
## 1st Qu.:0.23449 1st Qu.:0.06760 1st Qu.:0.1894 1st Qu.:0.26405
## Median :0.30326 Median :0.10591 Median :0.2478 Median :0.30296
## Mean :0.31100 Mean :0.12727 Mean :0.2484 Mean :0.31006
## 3rd Qu.:0.39479 3rd Qu.:0.15134 3rd Qu.:0.2859 3rd Qu.:0.35716
## Max. :0.62469 Max. :0.40004 Max. :0.4412 Max. :0.58438
##
## fin32_acc fin34a fin37_38_39_acc fin37_38
## Min. :0.0410 Min. :0.03980 Min. :0.01532 Min. :0.04331
## 1st Qu.:0.1038 1st Qu.:0.08562 1st Qu.:0.04574 1st Qu.:0.07684
## Median :0.1590 Median :0.14000 Median :0.08304 Median :0.14588
## Mean :0.1790 Mean :0.16168 Mean :0.11337 Mean :0.16693
## 3rd Qu.:0.2310 3rd Qu.:0.20215 3rd Qu.:0.16148 3rd Qu.:0.23128
## Max. :0.5610 Max. :0.54401 Max. :0.39690 Max. :0.44291
##
## fin37 fin2_t_d fin42 fin45a
## Min. :0.03141 Min. :0.07668 Min. :0.02058 Min. :0.04796
## 1st Qu.:0.05506 1st Qu.:0.23924 1st Qu.:0.04273 1st Qu.:0.08058
## Median :0.09685 Median :0.33231 Median :0.07758 Median :0.11942
## Mean :0.12411 Mean :0.38558 Mean :0.11087 Mean :0.12404
## 3rd Qu.:0.15467 3rd Qu.:0.48601 3rd Qu.:0.12716 3rd Qu.:0.16220
## Max. :0.42953 Max. :0.87522 Max. :0.48261 Max. :0.22174
##
## fin45c fin45d fin45e fin25e2
## Min. :0.05311 Min. :0.1983 Min. :0.02697 Min. :0.02366
## 1st Qu.:0.22229 1st Qu.:0.2687 1st Qu.:0.08579 1st Qu.:0.08799
## Median :0.29170 Median :0.3601 Median :0.11555 Median :0.17856
## Mean :0.28379 Mean :0.3445 Mean :0.12612 Mean :0.23884
## 3rd Qu.:0.35392 3rd Qu.:0.3929 3rd Qu.:0.15891 3rd Qu.:0.32767
## Max. :0.48848 Max. :0.6487 Max. :0.32006 Max. :0.94941
##
## fin9b fing2p_acc fing2p_fin fing2p
## Min. :0.05946 Min. :0.03035 Min. :0.02734 Min. :0.06523
## 1st Qu.:0.12333 1st Qu.:0.07709 1st Qu.:0.06868 1st Qu.:0.11043
## Median :0.22163 Median :0.12532 Median :0.11329 Median :0.19739
## Mean :0.26715 Mean :0.15501 Mean :0.13923 Mean :0.21448
## 3rd Qu.:0.34208 3rd Qu.:0.21230 3rd Qu.:0.18996 3rd Qu.:0.28115
## Max. :0.76445 Max. :0.43302 Max. :0.41437 Max. :0.47850
##
## g20_made g20_received g20_any merchant_pay
## Min. :0.06883 Min. :0.09641 Min. :0.1639 Min. :0.02762
## 1st Qu.:0.19763 1st Qu.:0.18719 1st Qu.:0.2804 1st Qu.:0.09510
## Median :0.31089 Median :0.29506 Median :0.4347 Median :0.19392
## Mean :0.35187 Mean :0.32830 Mean :0.4579 Mean :0.25285
## 3rd Qu.:0.44950 3rd Qu.:0.40864 3rd Qu.:0.5473 3rd Qu.:0.33600
## Max. :0.85726 Max. :0.83086 Max. :0.9491 Max. :0.94941
##
## save_any_t_d fin5m fin6w fin6m
## Min. :0.2039 Min. :0.07492 Min. :0.009258 Min. :0.06975
## 1st Qu.:0.3541 1st Qu.:0.16867 1st Qu.:0.045468 1st Qu.:0.13032
## Median :0.4229 Median :0.23837 Median :0.117449 Median :0.17625
## Mean :0.4318 Mean :0.26190 Mean :0.149973 Mean :0.19188
## 3rd Qu.:0.4957 3rd Qu.:0.31640 3rd Qu.:0.202613 3rd Qu.:0.25149
## Max. :0.7226 Max. :0.59073 Max. :0.714366 Max. :0.43054
##
## fin9a fin17dm fin3 fin19
## Min. :0.05494 Min. :0.01743 Min. :0.06538 Min. :0.02217
## 1st Qu.:0.14095 1st Qu.:0.06826 1st Qu.:0.14656 1st Qu.:0.06811
## Median :0.22358 Median :0.10502 Median :0.26733 Median :0.10310
## Mean :0.24570 Mean :0.11413 Mean :0.31788 Mean :0.11951
## 3rd Qu.:0.29386 3rd Qu.:0.15500 3rd Qu.:0.41958 3rd Qu.:0.14340
## Max. :0.73327 Max. :0.33894 Max. :0.93898 Max. :0.45729
##
## fin24ba fin24bb fin24bc fin24bd
## Min. :0.04007 Min. :0.1626 Min. :0.1004 Min. :0.1048
## 1st Qu.:0.12129 1st Qu.:0.2577 1st Qu.:0.1479 1st Qu.:0.2223
## Median :0.15974 Median :0.2873 Median :0.1592 Median :0.2828
## Mean :0.18080 Mean :0.2898 Mean :0.1639 Mean :0.2810
## 3rd Qu.:0.22756 3rd Qu.:0.3232 3rd Qu.:0.1826 3rd Qu.:0.3246
## Max. :0.45761 Max. :0.3886 Max. :0.2566 Max. :0.4979
##
## fin24c fin24d1 fin24d2 fin25e1
## Min. :0.04473 Min. :0.01504 Min. :0.02465 Min. :0.01748
## 1st Qu.:0.13134 1st Qu.:0.05282 1st Qu.:0.05366 1st Qu.:0.05837
## Median :0.18882 Median :0.08571 Median :0.07926 Median :0.14459
## Mean :0.21815 Mean :0.10494 Mean :0.09633 Mean :0.19382
## 3rd Qu.:0.25238 3rd Qu.:0.12275 3rd Qu.:0.11620 3rd Qu.:0.25948
## Max. :0.77542 Max. :0.58943 Max. :0.47105 Max. :0.87244
##
## fin25e2b fin25e3w fin25e4d fh2a
## Min. :0.03337 Min. :0.007213 Min. :0.02168 Min. :0.02586
## 1st Qu.:0.28242 1st Qu.:0.024110 1st Qu.:0.17176 1st Qu.:0.06485
## Median :0.33750 Median :0.078363 Median :0.23549 Median :0.11351
## Mean :0.34401 Mean :0.131428 Mean :0.24537 Mean :0.13962
## 3rd Qu.:0.39511 3rd Qu.:0.201505 3rd Qu.:0.31269 3rd Qu.:0.20274
## Max. :0.72021 Max. :0.781522 Max. :0.56399 Max. :0.44790
##
## fin36b fin8 fin22f fh1_fh2
## Min. :0.01914 Min. :0.0673 Min. :0.0458 Min. :0.1570
## 1st Qu.:0.05522 1st Qu.:0.1358 1st Qu.:0.1879 1st Qu.:0.2470
## Median :0.10079 Median :0.2663 Median :0.2687 Median :0.2886
## Mean :0.12698 Mean :0.2743 Mean :0.2716 Mean :0.3096
## 3rd Qu.:0.15899 3rd Qu.:0.3486 3rd Qu.:0.3513 3rd Qu.:0.3336
## Max. :0.52866 Max. :0.7418 Max. :0.5780 Max. :0.6030
##
## fin28_29 con1 con9a con9b
## Min. :0.03759 Min. :0.5800 Min. :0.1628 Min. :0.04053
## 1st Qu.:0.11326 1st Qu.:0.8203 1st Qu.:0.6425 1st Qu.:0.10451
## Median :0.15478 Median :0.8740 Median :0.6927 Median :0.15389
## Mean :0.17752 Mean :0.8604 Mean :0.6790 Mean :0.17651
## 3rd Qu.:0.23385 3rd Qu.:0.9244 3rd Qu.:0.8071 3rd Qu.:0.21732
## Max. :0.42070 Max. :0.9812 Max. :0.9185 Max. :0.49688
##
## con11 con12d con14 con16
## Min. :0.3716 Min. :0.4993 Min. :0.3539 Min. :0.2804
## 1st Qu.:0.6100 1st Qu.:0.7177 1st Qu.:0.5915 1st Qu.:0.5039
## Median :0.6713 Median :0.7775 Median :0.7360 Median :0.6839
## Mean :0.6569 Mean :0.7773 Mean :0.7007 Mean :0.6401
## 3rd Qu.:0.7322 3rd Qu.:0.8451 3rd Qu.:0.8088 3rd Qu.:0.7730
## Max. :0.8698 Max. :0.9395 Max. :0.9148 Max. :0.8928
##
## con17a con17b con18 con19
## Min. :0.1441 Min. :0.1117 Min. :0.2404 Min. :0.2103
## 1st Qu.:0.3513 1st Qu.:0.2204 1st Qu.:0.4669 1st Qu.:0.3770
## Median :0.4358 Median :0.3158 Median :0.5568 Median :0.4844
## Mean :0.4380 Mean :0.3051 Mean :0.5538 Mean :0.4669
## 3rd Qu.:0.5346 3rd Qu.:0.3720 3rd Qu.:0.6446 3rd Qu.:0.5578
## Max. :0.7070 Max. :0.5243 Max. :0.7742 Max. :0.6539
##
## con20 con21 internet con26d
## Min. :0.04209 Min. :0.01953 Min. :0.1379 Min. :0.05799
## 1st Qu.:0.11075 1st Qu.:0.08476 1st Qu.:0.6718 1st Qu.:0.48182
## Median :0.16362 Median :0.14111 Median :0.7784 Median :0.63294
## Mean :0.19455 Mean :0.15769 Mean :0.7278 Mean :0.60806
## 3rd Qu.:0.26137 3rd Qu.:0.22467 3rd Qu.:0.8704 3rd Qu.:0.77586
## Max. :0.47966 Max. :0.34033 Max. :0.9420 Max. :0.89030
##
## con27 con28w con28m con30a
## Min. :0.1166 Min. :0.01005 Min. :0.01226 Min. :0.0705
## 1st Qu.:0.4313 1st Qu.:0.04673 1st Qu.:0.15190 1st Qu.:0.4072
## Median :0.5148 Median :0.09281 Median :0.31341 Median :0.5399
## Mean :0.5171 Mean :0.12473 Mean :0.31283 Mean :0.5319
## 3rd Qu.:0.6058 3rd Qu.:0.18845 3rd Qu.:0.44482 3rd Qu.:0.6653
## Max. :0.8097 Max. :0.41045 Max. :0.70826 Max. :0.9260
##
## con30b con30c con30d con30e
## Min. :0.09325 Min. :0.1278 Min. :0.07813 Min. :0.04022
## 1st Qu.:0.39886 1st Qu.:0.5566 1st Qu.:0.39814 1st Qu.:0.23870
## Median :0.52238 Median :0.6618 Median :0.55212 Median :0.36328
## Mean :0.52014 Mean :0.6195 Mean :0.53041 Mean :0.35296
## 3rd Qu.:0.63633 3rd Qu.:0.7383 3rd Qu.:0.69469 3rd Qu.:0.47557
## Max. :0.89054 Max. :0.8420 Max. :0.81606 Max. :0.67493
##
## con30g con31a con32a
## Min. :0.0144 Min. :0.01505 Min. :0.001941
## 1st Qu.:0.1080 1st Qu.:0.04355 1st Qu.:0.024913
## Median :0.1829 Median :0.08827 Median :0.051424
## Mean :0.1999 Mean :0.11101 Mean :0.071852
## 3rd Qu.:0.2604 3rd Qu.:0.13370 3rd Qu.:0.085984
## Max. :0.5684 Max. :0.38383 Max. :0.284816
## ## tibble [40 × 121] (S3: tbl_df/tbl/data.frame)
## $ regionwb24_hi : Factor w/ 7 levels "East Asia & Pacific (excluding high income)",..: 4 6 4 4 4 4 4 4 5 4 ...
## $ countrynewwb : chr [1:40] "Argentina" "Bangladesh" "Belize" "Bolivia" ...
## $ codewb : chr [1:40] "ARG" "BGD" "BLZ" "BOL" ...
## $ pop_adult : num [1:40] 3.54e+07 1.23e+08 3.00e+05 8.55e+06 1.69e+08 ...
## $ incomegroupwb24 : chr [1:40] "Upper middle income" "Lower middle income" "Upper middle income" "Lower middle income" ...
## $ account_t_d : num [1:40] 0.817 0.433 0.68 0.568 0.864 ...
## $ fiaccount_t_d : num [1:40] 0.729 0.329 0.673 0.535 0.856 ...
## $ mobileaccount_t_d: num [1:40] 0.567 0.208 0.137 0.2 0.582 ...
## $ borrow_any_t_d : num [1:40] 0.561 0.703 0.538 0.481 0.636 ...
## $ fin4_d : num [1:40] 0.5262 0.0748 0.4321 0.2165 0.6368 ...
## $ dig_acc : num [1:40] 0.713 0.228 0.431 0.337 0.708 ...
## $ fin11e : num [1:40] 0.121 0.121 0.222 0.236 0.092 ...
## $ fin26a : num [1:40] 0.4392 0.0656 0.1807 0.1475 0.5478 ...
## $ fin26b : num [1:40] 0.364 0.0711 0.1836 0.1129 0.4169 ...
## $ fin27a : num [1:40] 0.3198 0.0101 0.1393 0.0613 0.3966 ...
## $ fin17a_17a1_d : num [1:40] 0.358 0.106 0.343 0.263 0.386 ...
## $ fin17a : num [1:40] 0.2312 0.0966 0.3331 0.2215 0.3415 ...
## $ fin17b : num [1:40] 0.3207 0.0165 0.0442 0.1263 0.3116 ...
## $ fin17c : num [1:40] 0.0591 0.084 0.1189 0.1465 0.0558 ...
## $ fin22d : num [1:40] 0.119 0.172 0.181 0.147 0.126 ...
## $ fin22e : num [1:40] 0.0557 0.0541 0.0525 0.1148 0.0765 ...
## $ fin22a_22a1_22g_d: num [1:40] 0.326 0.131 0.189 0.193 0.469 ...
## $ fin22a : num [1:40] 0.293 0.127 0.185 0.182 0.459 ...
## $ fin22b : num [1:40] 0.245 0.271 0.267 0.208 0.156 ...
## $ fin24sav : num [1:40] 0.1537 0.0563 0.2625 0.2485 0.1573 ...
## $ fin24fam : num [1:40] 0.393 0.481 0.311 0.281 0.262 ...
## $ fin24work : num [1:40] 0.16 0.256 0.158 0.227 0.315 ...
## $ fin24sell : num [1:40] 0.1006 0.0634 0.1516 0.0897 0.0708 ...
## $ fin24a_vd : num [1:40] 0.425 0.598 0.314 0.235 0.337 ...
## $ fin24a_sd : num [1:40] 0.322 0.287 0.282 0.462 0.369 ...
## $ fin24a_nd : num [1:40] 0.1666 0.0706 0.3657 0.1874 0.2128 ...
## $ fin24a_sd_nd : num [1:40] 0.489 0.358 0.648 0.649 0.582 ...
## $ fin24a_p : num [1:40] 0.917 0.956 0.967 0.895 0.92 ...
## $ fin24a_n : num [1:40] 0.0825 0.0435 0.0328 0.1046 0.0798 ...
## $ fin24sav_sd_nd : num [1:40] 0.1156 0.0532 0.1968 0.2204 0.1493 ...
## $ fin24fam_sd_nd : num [1:40] 0.166 0.187 0.221 0.169 0.148 ...
## $ fin24work_sd_nd : num [1:40] 0.113 0.0783 0.1135 0.1667 0.174 ...
## $ fin24fam_vd : num [1:40] 0.2273 0.2935 0.0885 0.1057 0.1129 ...
## $ fh1 : num [1:40] 0.1996 0.0992 0.2472 0.1873 0.2091 ...
## $ fin28 : num [1:40] 0.1492 0.0655 0.145 0.1127 0.1551 ...
## $ fh2 : num [1:40] 0.189 0.2 0.327 0.203 0.15 ...
## $ fin29 : num [1:40] 0.135 0.145 0.163 0.12 0.118 ...
## $ fin31a_31b : num [1:40] 0.369 0.214 0.241 0.265 0.489 ...
## $ fin30 : num [1:40] 0.62 0.367 0.606 0.626 0.679 ...
## $ fin31a : num [1:40] 0.24 0.105 0.187 0.225 0.427 ...
## $ fin31b : num [1:40] 0.326 0.12 0.171 0.143 0.404 ...
## $ fin31d : num [1:40] 0.238 0.153 0.361 0.348 0.175 ...
## $ fin32_n33_acc : num [1:40] 0.1771 0.0334 0.1499 0.0851 0.2489 ...
## $ fin32_n33 : num [1:40] 0.237 0.182 0.261 0.189 0.279 ...
## $ fin32 : num [1:40] 0.32 0.221 0.381 0.245 0.355 ...
## $ fin32_acc : num [1:40] 0.2561 0.0479 0.244 0.1335 0.3237 ...
## $ fin34a : num [1:40] 0.229 0.0398 0.237 0.1189 0.3112 ...
## $ fin37_38_39_acc : num [1:40] 0.1591 0.0474 0.0965 0.0348 0.1947 ...
## $ fin37_38 : num [1:40] 0.2062 0.0766 0.1863 0.1359 0.2379 ...
## $ fin37 : num [1:40] 0.1399 0.0694 0.1387 0.1048 0.1991 ...
## $ fin2_t_d : num [1:40] 0.6407 0.0767 0.4458 0.3375 0.7385 ...
## $ fin42 : num [1:40] 0.0206 0.1287 0.0501 0.1249 0.0399 ...
## $ fin45a : num [1:40] 0.1302 0.0947 0.1592 0.1425 0.1949 ...
## $ fin45c : num [1:40] 0.2808 0.0968 0.3729 0.3578 0.3128 ...
## $ fin45d : num [1:40] 0.457 0.602 0.283 0.252 0.364 ...
## $ fin45e : num [1:40] 0.0454 0.1098 0.1175 0.1136 0.027 ...
## $ fin25e2 : num [1:40] 0.5854 0.0237 0.1933 0.194 0.5766 ...
## $ fin9b : num [1:40] 0.383 0.066 0.333 0.179 0.537 ...
## $ fing2p_acc : num [1:40] 0.2307 0.0593 0.1807 0.0794 0.2548 ...
## $ fing2p_fin : num [1:40] 0.2189 0.0283 0.1636 0.0687 0.2396 ...
## $ fing2p : num [1:40] 0.279 0.112 0.275 0.182 0.299 ...
## $ g20_made : num [1:40] 0.654 0.281 0.389 0.38 0.7 ...
## $ g20_received : num [1:40] 0.455 0.149 0.374 0.227 0.52 ...
## $ g20_any : num [1:40] 0.722 0.339 0.512 0.436 0.774 ...
## $ merchant_pay : num [1:40] 0.6019 0.0276 0.2466 0.2048 0.6015 ...
## $ save_any_t_d : num [1:40] 0.48 0.204 0.687 0.511 0.467 ...
## $ fin5m : num [1:40] 0.421 0.096 0.239 0.207 0.547 ...
## $ fin6w : num [1:40] 0.3279 0.0135 0.2567 0.148 0.3152 ...
## $ fin6m : num [1:40] 0.2481 0.0807 0.1667 0.1297 0.3719 ...
## $ fin9a : num [1:40] 0.301 0.142 0.257 0.132 0.264 ...
## $ fin17dm : num [1:40] 0.1362 0.0527 0.1625 0.1311 0.2233 ...
## $ fin3 : num [1:40] 0.5614 0.0654 0.3693 0.2662 0.6587 ...
## $ fin19 : num [1:40] 0.2238 0.0473 0.1518 0.0691 0.1386 ...
## $ fin24ba : num [1:40] 0.197 0.273 0.185 0.118 0.108 ...
## $ fin24bb : num [1:40] 0.266 0.288 0.296 0.291 0.234 ...
## $ fin24bc : num [1:40] 0.167 0.193 0.187 0.162 0.153 ...
## $ fin24bd : num [1:40] 0.298 0.205 0.252 0.315 0.409 ...
## $ fin24c : num [1:40] 0.1128 0.3439 0.4206 0.2137 0.0851 ...
## $ fin24d1 : num [1:40] 0.0464 0.2103 0.2224 0.1161 0.036 ...
## $ fin24d2 : num [1:40] 0.0483 0.2085 0.1526 0.0957 0.0514 ...
## $ fin25e1 : num [1:40] 0.4689 0.0294 0.1569 0.1512 0.5309 ...
## $ fin25e2b : num [1:40] 0.232 0.409 0.486 0.374 0.287 ...
## $ fin25e3w : num [1:40] 0.38569 0.00733 0.08687 0.10398 0.30437 ...
## $ fin25e4d : num [1:40] 0.172 0.231 0.392 0.25 0.189 ...
## $ fh2a : num [1:40] 0.0318 0.1213 0.2426 0.1074 0.0392 ...
## $ fin36b : num [1:40] 0.2134 0.0191 0.2171 0.0992 0.2539 ...
## $ fin8 : num [1:40] 0.2999 0.0907 0.4706 0.2677 0.3131 ...
## $ fin22f : num [1:40] 0.244 0.578 0.2 0.143 0.274 ...
## $ fh1_fh2 : num [1:40] 0.284 0.26 0.444 0.3 0.276 ...
## $ fin28_29 : num [1:40] 0.205 0.182 0.238 0.176 0.208 ...
## $ con1 : num [1:40] 0.905 0.824 0.864 0.874 0.921 ...
## $ con9a : num [1:40] 0.678 0.382 0.801 0.696 0.718 ...
## $ con9b : num [1:40] 0.2057 0.4418 0.0622 0.1681 0.1896 ...
## $ con11 : num [1:40] 0.77 0.615 0.698 0.742 0.756 ...
## [list output truncated]## [1] 40 121## [1] "East Asia & Pacific (excluding high income)"
## [2] "Europe & Central Asia (excluding high income)"
## [3] "High income"
## [4] "Latin America & Caribbean (excluding high income)"
## [5] "Middle East & North Africa (excluding high income)"
## [6] "South Asia (excluding high income)"
## [7] "Sub-Saharan Africa (excluding high income)"# Distribusi kelas target
ggplot(df_model, aes(x = fct_infreq(regionwb24_hi))) +
geom_bar(aes(y = (..count..)/sum(..count..)), fill = "steelblue") +
geom_text(aes(y = (..count..)/sum(..count..),
label = scales::percent((..count..)/sum(..count..))),
stat='count', vjust=-0.5) +
scale_y_continuous(labels = percent_format(), limits = c(0, 0.25)) +
labs(title = "Distribusi Responden per Wilayah",
x = "Region", y = "Persentase") +
theme_minimal() +
theme(axis.text.x = element_text(angle = 45, hjust = 1))## Warning: The dot-dot notation (`..count..`) was deprecated in ggplot2 3.4.0.
## ℹ Please use `after_stat(count)` instead.
## This warning is displayed once every 8 hours.
## Call `lifecycle::last_lifecycle_warnings()` to see where this warning was
## generated.## Warning: Removed 1 row containing missing values or values outside the scale range
## (`geom_bar()`).## Warning: Removed 1 row containing missing values or values outside the scale range
## (`geom_text()`).
Pendugaan Parameter Model Regresi Logistik
# Fit Multinomial Logistic Regression
# Ambil semua variabel numerik
numeric_vars <- df_model[, sapply(df_model, is.numeric)]
# Hitung korelasi
cor_matrix <- cor(numeric_vars, use = "pairwise.complete.obs")
# Buang variabel dengan korelasi > 0.85
high_cor <- findCorrelation(cor_matrix, cutoff = 0.85)
vars_removed <- colnames(numeric_vars)[high_cor]
vars_removed## [1] "fin4_d" "dig_acc" "fin26a"
## [4] "fin27a" "fin22a" "fin24a_sd_nd"
## [7] "fin24sav_sd_nd" "fin24work_sd_nd" "fin28"
## [10] "fin29" "fin31b" "fin32_n33_acc"
## [13] "fin32" "fin32_acc" "fin34a"
## [16] "fin2_t_d" "fin25e2" "fin9b"
## [19] "fing2p_acc" "fing2p_fin" "fing2p"
## [22] "g20_made" "g20_received" "g20_any"
## [25] "merchant_pay" "fin5m" "fin6w"
## [28] "fin17dm" "fin3" "fin24d2"
## [31] "fin25e1" "fin25e3w" "fin36b"
## [34] "fin8" "fh1_fh2" "fin28_29"
## [37] "con12d" "con14" "con18"
## [40] "con19" "con26d" "con30d"
## [43] "con31a" "account_t_d" "fin17a_17a1_d"
## [46] "mobileaccount_t_d" "fin24a_p" "fh1"
## [49] "fin31a_31b" "fin26b" "fin37_38_39_acc"
## [52] "fin37_38" "fin25e2b" "con9a"
## [55] "internet" "con9b"## [1] "pop_adult" "fiaccount_t_d" "borrow_any_t_d"
## [4] "fin11e" "fin17a" "fin17b"
## [7] "fin17c" "fin22d" "fin22e"
## [10] "fin22a_22a1_22g_d" "fin22b" "fin24sav"
## [13] "fin24fam" "fin24work" "fin24sell"
## [16] "fin24a_vd" "fin24a_sd" "fin24a_nd"
## [19] "fin24a_n" "fin24fam_sd_nd" "fin24fam_vd"
## [22] "fh2" "fin30" "fin31a"
## [25] "fin31d" "fin32_n33" "fin37"
## [28] "fin42" "fin45a" "fin45c"
## [31] "fin45d" "fin45e" "save_any_t_d"
## [34] "fin6m" "fin9a" "fin19"
## [37] "fin24ba" "fin24bb" "fin24bc"
## [40] "fin24bd" "fin24c" "fin24d1"
## [43] "fin25e4d" "fh2a" "fin22f"
## [46] "con1" "con11" "con16"
## [49] "con17a" "con17b" "con20"
## [52] "con21" "con27" "con28w"
## [55] "con28m" "con30a" "con30b"
## [58] "con30c" "con30e" "con30g"
## [61] "con32a"# Buat dataset baru tanpa variabel korelasi tinggi
numeric_reduced <- numeric_vars[, vars_kept]
# Gabungkan kembali dengan Y
df_model_cor <- data.frame(regionwb24_hi = df_model$regionwb24_hi, numeric_reduced)
# Hilangkan NA
df_model_cor <- na.omit(df_model_cor)
# Hilangkan variabel yang hanya punya 1 nilai
df_model_cor <- df_model_cor[, sapply(df_model_cor, function(x) length(unique(x)) > 1)]
dim(df_model_cor)## [1] 40 62## # weights: 441 (372 variable)
## initial value 77.836406
## iter 10 value 66.601739
## iter 20 value 56.959900
## iter 30 value 54.415941
## iter 30 value 54.415941
## iter 40 value 46.777882
## iter 50 value 44.969068
## iter 60 value 41.599546
## iter 70 value 37.140636
## iter 70 value 37.140636
## iter 80 value 33.876119
## iter 90 value 33.158951
## iter 90 value 33.158951
## iter 100 value 33.110905
## final value 33.110905
## stopped after 100 iterations## Call:
## multinom(formula = regionwb24_hi ~ ., data = df_model_cor)
##
## Coefficients:
## (Intercept) pop_adult
## Europe & Central Asia (excluding high income) -0.16665870 -1.802592e-08
## High income 0.13699586 -3.183474e-07
## Latin America & Caribbean (excluding high income) 0.14280059 -9.983754e-09
## Middle East & North Africa (excluding high income) 0.08987349 -1.602423e-08
## South Asia (excluding high income) 0.15953393 6.973603e-09
## Sub-Saharan Africa (excluding high income) 0.01193127 5.579882e-09
## fiaccount_t_d borrow_any_t_d
## Europe & Central Asia (excluding high income) 0.24985797 0.09837954
## High income 0.13039190 0.00130692
## Latin America & Caribbean (excluding high income) -0.01520232 -0.41962834
## Middle East & North Africa (excluding high income) -1.12543251 0.23808716
## South Asia (excluding high income) 0.06718587 0.42733899
## Sub-Saharan Africa (excluding high income) 0.03716540 0.17070548
## fin11e fin17a
## Europe & Central Asia (excluding high income) -0.004675507 -0.1563766
## High income 0.021584830 0.1123882
## Latin America & Caribbean (excluding high income) 0.081448791 -0.1143166
## Middle East & North Africa (excluding high income) 0.141382745 -0.6113004
## South Asia (excluding high income) -0.066211474 -0.1493307
## Sub-Saharan Africa (excluding high income) -0.016665926 0.2256541
## fin17b fin17c
## Europe & Central Asia (excluding high income) -0.136946587 0.009181952
## High income 0.200567607 0.060274071
## Latin America & Caribbean (excluding high income) 0.220565995 -0.019665375
## Middle East & North Africa (excluding high income) -0.324269019 -0.191993024
## South Asia (excluding high income) -0.288417965 -0.007546211
## Sub-Saharan Africa (excluding high income) 0.009929026 0.358665722
## fin22d fin22e
## Europe & Central Asia (excluding high income) -0.289314692 -0.120125023
## High income 0.004713761 -0.007013824
## Latin America & Caribbean (excluding high income) 0.223653528 0.129212421
## Middle East & North Africa (excluding high income) 0.229496633 -0.117152519
## South Asia (excluding high income) 0.139751333 -0.018277699
## Sub-Saharan Africa (excluding high income) 0.043717297 0.064161360
## fin22a_22a1_22g_d
## Europe & Central Asia (excluding high income) 0.268560112
## High income 0.003948218
## Latin America & Caribbean (excluding high income) 0.433521161
## Middle East & North Africa (excluding high income) -0.482115442
## South Asia (excluding high income) 0.012783125
## Sub-Saharan Africa (excluding high income) -0.171873821
## fin22b fin24sav
## Europe & Central Asia (excluding high income) 0.007371080 0.001422361
## High income -0.002518901 0.050199142
## Latin America & Caribbean (excluding high income) -1.015744014 0.107139479
## Middle East & North Africa (excluding high income) 0.585802210 -0.227155377
## South Asia (excluding high income) 0.178079592 -0.106206292
## Sub-Saharan Africa (excluding high income) 0.300643297 -0.091048230
## fin24fam fin24work
## Europe & Central Asia (excluding high income) 0.09426573 0.174903805
## High income 0.07015543 -0.118067744
## Latin America & Caribbean (excluding high income) -0.46625542 -0.005239562
## Middle East & North Africa (excluding high income) 0.84633161 -0.305132995
## South Asia (excluding high income) 0.18578301 0.031529245
## Sub-Saharan Africa (excluding high income) -0.11132599 -0.135532364
## fin24sell fin24a_vd
## Europe & Central Asia (excluding high income) -0.24953685 -0.33131905
## High income -0.01621462 0.14162654
## Latin America & Caribbean (excluding high income) 0.03923182 0.05763727
## Middle East & North Africa (excluding high income) -0.13869067 -0.29047888
## South Asia (excluding high income) -0.01846316 0.41174032
## Sub-Saharan Africa (excluding high income) 0.19772349 0.15928260
## fin24a_sd fin24a_nd
## Europe & Central Asia (excluding high income) 0.022238240 0.17840795
## High income -0.018626341 -0.07264470
## Latin America & Caribbean (excluding high income) 0.043668823 0.01650606
## Middle East & North Africa (excluding high income) 0.161205301 0.05243878
## South Asia (excluding high income) 0.005572783 -0.20987091
## Sub-Saharan Africa (excluding high income) -0.188645330 -0.14248287
## fin24a_n fin24fam_sd_nd
## Europe & Central Asia (excluding high income) -0.06247611 0.143794542
## High income 0.08824623 -0.025776876
## Latin America & Caribbean (excluding high income) 0.03097397 -0.349019872
## Middle East & North Africa (excluding high income) 0.16390141 0.658125121
## South Asia (excluding high income) -0.03630606 0.006253693
## Sub-Saharan Africa (excluding high income) 0.18476085 -0.164181620
## fin24fam_vd fh2
## Europe & Central Asia (excluding high income) -0.06427897 -0.004000112
## High income 0.09871424 0.015261497
## Latin America & Caribbean (excluding high income) -0.10299450 -0.145973362
## Middle East & North Africa (excluding high income) 0.17677767 -0.233408763
## South Asia (excluding high income) 0.18476678 -0.102197552
## Sub-Saharan Africa (excluding high income) 0.05223252 0.159555973
## fin30 fin31a
## Europe & Central Asia (excluding high income) 0.09705329 0.24153533
## High income 0.03215869 -0.04243323
## Latin America & Caribbean (excluding high income) 0.52945235 0.12070340
## Middle East & North Africa (excluding high income) -0.73645474 -0.66684676
## South Asia (excluding high income) -0.22088697 -0.18007121
## Sub-Saharan Africa (excluding high income) -0.53021133 -0.12767494
## fin31d fin32_n33
## Europe & Central Asia (excluding high income) -0.38079455 -0.09156483
## High income 0.03118068 0.01852692
## Latin America & Caribbean (excluding high income) 0.33007452 -0.42218815
## Middle East & North Africa (excluding high income) 0.19106491 -0.03869223
## South Asia (excluding high income) -0.06285898 -0.04272221
## Sub-Saharan Africa (excluding high income) -0.31922997 -0.22547191
## fin37 fin42
## Europe & Central Asia (excluding high income) -0.1507113163 0.06766589
## High income -0.0006550191 -0.05925633
## Latin America & Caribbean (excluding high income) -0.1970325865 -0.72241388
## Middle East & North Africa (excluding high income) -0.1339119905 -0.33709801
## South Asia (excluding high income) -0.0614468973 0.05117831
## Sub-Saharan Africa (excluding high income) -0.1588560418 0.42683282
## fin45a fin45c
## Europe & Central Asia (excluding high income) -0.02025047 -0.1037990683
## High income 0.06034087 -0.0351528989
## Latin America & Caribbean (excluding high income) 0.34455397 0.2192802313
## Middle East & North Africa (excluding high income) -0.24666528 0.2093803470
## South Asia (excluding high income) -0.10594118 -0.2215171566
## Sub-Saharan Africa (excluding high income) -0.10445016 -0.0005876273
## fin45d fin45e
## Europe & Central Asia (excluding high income) -0.2445839 -0.01501478
## High income 0.1123786 0.01005876
## Latin America & Caribbean (excluding high income) 0.1201592 -0.34292495
## Middle East & North Africa (excluding high income) 0.1639023 0.04027464
## South Asia (excluding high income) 0.4450930 0.07958060
## Sub-Saharan Africa (excluding high income) -0.1181723 -0.01190861
## save_any_t_d fin6m
## Europe & Central Asia (excluding high income) -0.2604452 0.38248516
## High income 0.1093461 0.06043376
## Latin America & Caribbean (excluding high income) 0.2060432 -0.12125520
## Middle East & North Africa (excluding high income) -0.5898240 -0.01178817
## South Asia (excluding high income) -0.4549116 -0.13615440
## Sub-Saharan Africa (excluding high income) 0.3605675 -0.04793481
## fin9a fin19
## Europe & Central Asia (excluding high income) 0.175952085 -0.05213550
## High income -0.005404138 -0.03855397
## Latin America & Caribbean (excluding high income) -0.494575557 -0.44610886
## Middle East & North Africa (excluding high income) -0.390274153 -0.13054497
## South Asia (excluding high income) -0.174677309 -0.10718102
## Sub-Saharan Africa (excluding high income) 0.183066727 0.17522259
## fin24ba fin24bb
## Europe & Central Asia (excluding high income) -0.106377626 0.21907842
## High income -0.004737589 -0.01205877
## Latin America & Caribbean (excluding high income) -0.317429455 0.19481779
## Middle East & North Africa (excluding high income) 0.587237683 -0.13651535
## South Asia (excluding high income) 0.431233193 0.16034775
## Sub-Saharan Africa (excluding high income) -0.141757162 -0.09796482
## fin24bc fin24bd
## Europe & Central Asia (excluding high income) 0.030923316 -0.3401505
## High income 0.002278905 0.1050788
## Latin America & Caribbean (excluding high income) -0.002838063 0.2475694
## Middle East & North Africa (excluding high income) -0.105273297 -0.2850678
## South Asia (excluding high income) 0.046025294 -0.3313729
## Sub-Saharan Africa (excluding high income) 0.006781562 0.1209035
## fin24c fin24d1
## Europe & Central Asia (excluding high income) -0.28123538 -0.228227988
## High income -0.13034438 -0.055556156
## Latin America & Caribbean (excluding high income) -0.01922145 0.110809744
## Middle East & North Africa (excluding high income) 0.17576997 -0.233878129
## South Asia (excluding high income) 0.14858583 0.096452203
## Sub-Saharan Africa (excluding high income) -0.12401715 0.007945175
## fin25e4d fh2a
## Europe & Central Asia (excluding high income) -0.227438792 0.29330757
## High income -0.005310253 -0.11465314
## Latin America & Caribbean (excluding high income) 0.055989005 0.40328102
## Middle East & North Africa (excluding high income) -0.201911719 -0.35454252
## South Asia (excluding high income) 0.514479958 0.09916373
## Sub-Saharan Africa (excluding high income) -0.102155271 -0.07296458
## fin22f con1
## Europe & Central Asia (excluding high income) 0.006711316 -0.08201120
## High income -0.087432826 0.05897862
## Latin America & Caribbean (excluding high income) -0.409767197 0.11026906
## Middle East & North Africa (excluding high income) 0.405009125 0.30298163
## South Asia (excluding high income) 0.609585906 -0.11423055
## Sub-Saharan Africa (excluding high income) 0.181781097 -0.22256110
## con11 con16
## Europe & Central Asia (excluding high income) -0.05649354 0.08222796
## High income 0.15983124 0.06860470
## Latin America & Caribbean (excluding high income) 0.15525370 0.89534425
## Middle East & North Africa (excluding high income) -0.25412653 0.09194718
## South Asia (excluding high income) -0.36770114 -0.65739389
## Sub-Saharan Africa (excluding high income) -0.26013183 -0.26037497
## con17a con17b
## Europe & Central Asia (excluding high income) 0.15067510 -0.5201505
## High income -0.08430907 0.1312500
## Latin America & Caribbean (excluding high income) 0.23868473 0.5334095
## Middle East & North Africa (excluding high income) -0.34868912 0.1515984
## South Asia (excluding high income) -0.57081849 0.5032312
## Sub-Saharan Africa (excluding high income) -0.19776609 -0.1198378
## con20 con21
## Europe & Central Asia (excluding high income) -0.22190854 -0.2164139
## High income 0.02063381 0.1202910
## Latin America & Caribbean (excluding high income) 1.23063703 0.7660950
## Middle East & North Africa (excluding high income) -0.25990908 -0.3757922
## South Asia (excluding high income) -0.25169996 -0.2717217
## Sub-Saharan Africa (excluding high income) -0.14053667 -0.1389263
## con27 con28w
## Europe & Central Asia (excluding high income) 0.36079579 -0.24845663
## High income 0.02443748 0.14327659
## Latin America & Caribbean (excluding high income) -0.40774792 0.45083712
## Middle East & North Africa (excluding high income) 0.12888223 -0.40201996
## South Asia (excluding high income) -0.54509919 -0.16488906
## Sub-Saharan Africa (excluding high income) -0.47831544 -0.01303173
## con28m con30a
## Europe & Central Asia (excluding high income) 0.6331066 0.2502639
## High income -0.1250569 0.1147757
## Latin America & Caribbean (excluding high income) -0.9274910 0.7022741
## Middle East & North Africa (excluding high income) 0.5548281 0.5801967
## South Asia (excluding high income) -0.2937939 -0.5047008
## Sub-Saharan Africa (excluding high income) -0.4382352 -0.5684621
## con30b con30c
## Europe & Central Asia (excluding high income) 0.27649327 -0.48579645
## High income 0.03221584 0.01295058
## Latin America & Caribbean (excluding high income) -0.41716561 0.41990578
## Middle East & North Africa (excluding high income) 0.54993311 0.30489250
## South Asia (excluding high income) -0.34167356 -0.40413818
## Sub-Saharan Africa (excluding high income) -0.52939973 -0.62320964
## con30e con30g
## Europe & Central Asia (excluding high income) -0.24323136 0.15721747
## High income -0.01224430 0.02462844
## Latin America & Caribbean (excluding high income) 0.02249491 -0.18121197
## Middle East & North Africa (excluding high income) 0.65468886 -0.05562750
## South Asia (excluding high income) -0.50183906 -0.28864925
## Sub-Saharan Africa (excluding high income) -0.36996605 -0.24207250
## con32a
## Europe & Central Asia (excluding high income) -0.12259342
## High income -0.00936354
## Latin America & Caribbean (excluding high income) -0.11144696
## Middle East & North Africa (excluding high income) 0.11593363
## South Asia (excluding high income) 0.21306011
## Sub-Saharan Africa (excluding high income) 0.34269650
##
## Std. Errors:
## (Intercept) pop_adult
## Europe & Central Asia (excluding high income) 5.002874e-15 1.528338e-08
## High income 4.266709e-14 2.391653e-07
## Latin America & Caribbean (excluding high income) 1.944387e-14 6.716312e-09
## Middle East & North Africa (excluding high income) 8.684328e-15 1.193638e-08
## South Asia (excluding high income) 1.167731e-15 6.223227e-09
## Sub-Saharan Africa (excluding high income) 5.535976e-16 6.591102e-09
## fiaccount_t_d borrow_any_t_d
## Europe & Central Asia (excluding high income) 3.211328e-15 2.897289e-15
## High income 2.244955e-14 2.257278e-14
## Latin America & Caribbean (excluding high income) 1.010679e-14 9.918645e-15
## Middle East & North Africa (excluding high income) 3.695680e-15 4.564474e-15
## South Asia (excluding high income) 6.060037e-16 6.123107e-16
## Sub-Saharan Africa (excluding high income) 3.069553e-16 2.894607e-16
## fin11e fin17a
## Europe & Central Asia (excluding high income) 7.515991e-16 9.228509e-16
## High income 7.723652e-15 7.372603e-15
## Latin America & Caribbean (excluding high income) 3.462943e-15 3.532024e-15
## Middle East & North Africa (excluding high income) 1.896301e-15 1.060834e-15
## South Asia (excluding high income) 2.198757e-16 1.787593e-16
## Sub-Saharan Africa (excluding high income) 9.674334e-17 9.564831e-17
## fin17b fin17c
## Europe & Central Asia (excluding high income) 4.211838e-16 4.668304e-16
## High income 3.601858e-15 3.913564e-15
## Latin America & Caribbean (excluding high income) 1.829835e-15 1.858791e-15
## Middle East & North Africa (excluding high income) 4.372955e-16 6.887507e-16
## South Asia (excluding high income) 7.752263e-17 8.905661e-17
## Sub-Saharan Africa (excluding high income) 4.340503e-17 4.335961e-17
## fin22d fin22e
## Europe & Central Asia (excluding high income) 6.172700e-16 3.547271e-16
## High income 6.425967e-15 3.096323e-15
## Latin America & Caribbean (excluding high income) 3.058758e-15 1.525871e-15
## Middle East & North Africa (excluding high income) 1.372290e-15 5.008031e-16
## South Asia (excluding high income) 1.803448e-16 7.544184e-17
## Sub-Saharan Africa (excluding high income) 8.072207e-17 3.699805e-17
## fin22a_22a1_22g_d
## Europe & Central Asia (excluding high income) 1.077350e-15
## High income 7.017669e-15
## Latin America & Caribbean (excluding high income) 3.234364e-15
## Middle East & North Africa (excluding high income) 9.803697e-16
## South Asia (excluding high income) 1.769796e-16
## Sub-Saharan Africa (excluding high income) 9.563863e-17
## fin22b fin24sav
## Europe & Central Asia (excluding high income) 1.408412e-15 6.155406e-16
## High income 1.093113e-14 5.942580e-15
## Latin America & Caribbean (excluding high income) 4.509948e-15 2.901986e-15
## Middle East & North Africa (excluding high income) 2.457103e-15 1.113134e-15
## South Asia (excluding high income) 2.855060e-16 1.544745e-16
## Sub-Saharan Africa (excluding high income) 1.330613e-16 7.647821e-17
## fin24fam fin24work
## Europe & Central Asia (excluding high income) 1.877602e-15 1.304751e-15
## High income 1.650954e-14 8.085547e-15
## Latin America & Caribbean (excluding high income) 7.004230e-15 3.358349e-15
## Middle East & North Africa (excluding high income) 3.972069e-15 1.492402e-15
## South Asia (excluding high income) 4.869559e-16 2.066811e-16
## Sub-Saharan Africa (excluding high income) 2.172911e-16 1.099162e-16
## fin24sell fin24a_vd
## Europe & Central Asia (excluding high income) 4.695289e-16 1.305139e-15
## High income 4.358616e-15 1.287569e-14
## Latin America & Caribbean (excluding high income) 2.119422e-15 6.122826e-15
## Middle East & North Africa (excluding high income) 7.496871e-16 2.347506e-15
## South Asia (excluding high income) 1.143648e-16 3.972441e-16
## Sub-Saharan Africa (excluding high income) 5.682521e-17 1.813386e-16
## fin24a_sd fin24a_nd
## Europe & Central Asia (excluding high income) 2.076232e-15 1.194728e-15
## High income 1.591620e-14 9.466858e-15
## Latin America & Caribbean (excluding high income) 7.005439e-15 4.147617e-15
## Middle East & North Africa (excluding high income) 3.316740e-15 2.112588e-15
## South Asia (excluding high income) 3.977667e-16 2.581276e-16
## Sub-Saharan Africa (excluding high income) 1.982517e-16 1.245095e-16
## fin24a_n fin24fam_sd_nd
## Europe & Central Asia (excluding high income) 3.773580e-16 1.204055e-15
## High income 4.108587e-15 9.935167e-15
## Latin America & Caribbean (excluding high income) 2.044938e-15 4.045464e-15
## Middle East & North Africa (excluding high income) 8.450676e-16 2.575669e-15
## South Asia (excluding high income) 1.064517e-16 2.790615e-16
## Sub-Saharan Africa (excluding high income) 4.574013e-17 1.262599e-16
## fin24fam_vd fh2
## Europe & Central Asia (excluding high income) 6.481338e-16 1.330755e-15
## High income 6.429351e-15 9.936093e-15
## Latin America & Caribbean (excluding high income) 2.907214e-15 4.610899e-15
## Middle East & North Africa (excluding high income) 1.362364e-15 1.742968e-15
## South Asia (excluding high income) 2.027936e-16 2.475494e-16
## Sub-Saharan Africa (excluding high income) 8.889376e-17 1.208119e-16
## fin30 fin31a
## Europe & Central Asia (excluding high income) 3.144033e-15 1.453910e-15
## High income 2.420911e-14 7.711596e-15
## Latin America & Caribbean (excluding high income) 1.120124e-14 3.373412e-15
## Middle East & North Africa (excluding high income) 4.336312e-15 9.084409e-16
## South Asia (excluding high income) 6.572269e-16 1.913455e-16
## Sub-Saharan Africa (excluding high income) 3.259891e-16 1.145771e-16
## fin31d fin32_n33
## Europe & Central Asia (excluding high income) 1.182423e-15 1.378652e-15
## High income 1.358138e-14 1.077378e-14
## Latin America & Caribbean (excluding high income) 6.604126e-15 4.772798e-15
## Middle East & North Africa (excluding high income) 2.900862e-15 2.088917e-15
## South Asia (excluding high income) 3.884990e-16 2.747500e-16
## Sub-Saharan Africa (excluding high income) 1.741351e-16 1.410205e-16
## fin37 fin42
## Europe & Central Asia (excluding high income) 3.985037e-16 7.507608e-16
## High income 3.458237e-15 5.494837e-15
## Latin America & Caribbean (excluding high income) 1.602604e-15 2.309347e-15
## Middle East & North Africa (excluding high income) 5.039399e-16 1.058606e-15
## South Asia (excluding high income) 1.022369e-16 1.712693e-16
## Sub-Saharan Africa (excluding high income) 4.776520e-17 8.083022e-17
## fin45a fin45c
## Europe & Central Asia (excluding high income) 4.404588e-16 1.530816e-15
## High income 4.793579e-15 1.314800e-14
## Latin America & Caribbean (excluding high income) 2.372842e-15 6.078968e-15
## Middle East & North Africa (excluding high income) 8.800942e-16 2.693980e-15
## South Asia (excluding high income) 1.241573e-16 3.532260e-16
## Sub-Saharan Africa (excluding high income) 6.140324e-17 1.755011e-16
## fin45d fin45e
## Europe & Central Asia (excluding high income) 1.350220e-15 7.994823e-16
## High income 1.307579e-14 5.580863e-15
## Latin America & Caribbean (excluding high income) 6.110160e-15 2.313456e-15
## Middle East & North Africa (excluding high income) 2.683009e-15 1.172084e-15
## South Asia (excluding high income) 3.657232e-16 1.458069e-16
## Sub-Saharan Africa (excluding high income) 1.662317e-16 6.981298e-17
## save_any_t_d fin6m
## Europe & Central Asia (excluding high income) 2.026971e-15 1.039064e-15
## High income 1.740572e-14 7.701096e-15
## Latin America & Caribbean (excluding high income) 8.208660e-15 3.346540e-15
## Middle East & North Africa (excluding high income) 3.181262e-15 1.512298e-15
## South Asia (excluding high income) 4.330702e-16 2.053463e-16
## Sub-Saharan Africa (excluding high income) 2.141918e-16 9.838980e-17
## fin9a fin19
## Europe & Central Asia (excluding high income) 1.668921e-15 1.022264e-15
## High income 1.022830e-14 6.064566e-15
## Latin America & Caribbean (excluding high income) 4.322894e-15 2.518990e-15
## Middle East & North Africa (excluding high income) 1.634152e-15 1.065457e-15
## South Asia (excluding high income) 2.577244e-16 1.533737e-16
## Sub-Saharan Africa (excluding high income) 1.404465e-16 8.794973e-17
## fin24ba fin24bb
## Europe & Central Asia (excluding high income) 7.668341e-16 1.643469e-15
## High income 7.146340e-15 1.319969e-14
## Latin America & Caribbean (excluding high income) 2.962423e-15 6.041253e-15
## Middle East & North Africa (excluding high income) 1.827123e-15 2.634743e-15
## South Asia (excluding high income) 2.238728e-16 3.698878e-16
## Sub-Saharan Africa (excluding high income) 9.824967e-17 1.747783e-16
## fin24bc fin24bd
## Europe & Central Asia (excluding high income) 8.479358e-16 1.299415e-15
## High income 7.019723e-15 1.132250e-14
## Latin America & Caribbean (excluding high income) 3.205270e-15 5.325642e-15
## Middle East & North Africa (excluding high income) 1.392352e-15 2.048454e-15
## South Asia (excluding high income) 1.872347e-16 2.804771e-16
## Sub-Saharan Africa (excluding high income) 9.037517e-17 1.410745e-16
## fin24c fin24d1
## Europe & Central Asia (excluding high income) 9.226178e-16 3.213666e-16
## High income 8.502826e-15 3.610217e-15
## Latin America & Caribbean (excluding high income) 4.070174e-15 1.886136e-15
## Middle East & North Africa (excluding high income) 1.660356e-15 5.838802e-16
## South Asia (excluding high income) 2.289048e-16 1.053700e-16
## Sub-Saharan Africa (excluding high income) 1.066622e-16 4.686356e-17
## fin25e4d fh2a
## Europe & Central Asia (excluding high income) 7.312459e-16 1.120302e-15
## High income 8.495578e-15 8.208822e-15
## Latin America & Caribbean (excluding high income) 4.109084e-15 3.847772e-15
## Middle East & North Africa (excluding high income) 1.730815e-15 1.591731e-15
## South Asia (excluding high income) 2.694699e-16 2.546935e-16
## Sub-Saharan Africa (excluding high income) 1.121226e-16 1.117573e-16
## fin22f con1
## Europe & Central Asia (excluding high income) 1.397763e-15 4.531480e-15
## High income 1.069818e-14 3.787187e-14
## Latin America & Caribbean (excluding high income) 4.485809e-15 1.712472e-14
## Middle East & North Africa (excluding high income) 2.340263e-15 7.852071e-15
## South Asia (excluding high income) 3.309542e-16 9.956795e-16
## Sub-Saharan Africa (excluding high income) 1.430047e-16 4.814462e-16
## con11 con16
## Europe & Central Asia (excluding high income) 3.639541e-15 3.638169e-15
## High income 2.998039e-14 2.982142e-14
## Latin America & Caribbean (excluding high income) 1.380345e-14 1.351923e-14
## Middle East & North Africa (excluding high income) 5.862791e-15 6.319701e-15
## South Asia (excluding high income) 7.717999e-16 7.102782e-16
## Sub-Saharan Africa (excluding high income) 3.845130e-16 3.559073e-16
## con17a con17b
## Europe & Central Asia (excluding high income) 2.451389e-15 1.397713e-15
## High income 1.911763e-14 1.369080e-14
## Latin America & Caribbean (excluding high income) 8.334925e-15 6.834019e-15
## Middle East & North Africa (excluding high income) 4.007984e-15 2.547164e-15
## South Asia (excluding high income) 4.782117e-16 3.794104e-16
## Sub-Saharan Africa (excluding high income) 2.353198e-16 1.836418e-16
## con20 con21
## Europe & Central Asia (excluding high income) 7.595909e-16 5.080393e-16
## High income 8.331368e-15 5.988453e-15
## Latin America & Caribbean (excluding high income) 4.564588e-15 3.214175e-15
## Middle East & North Africa (excluding high income) 1.365510e-15 9.866295e-16
## South Asia (excluding high income) 2.011171e-16 1.260978e-16
## Sub-Saharan Africa (excluding high income) 9.672709e-17 6.556909e-17
## con27 con28w
## Europe & Central Asia (excluding high income) 3.313886e-15 8.872945e-16
## High income 2.562407e-14 8.335699e-15
## Latin America & Caribbean (excluding high income) 1.141916e-14 4.638257e-15
## Middle East & North Africa (excluding high income) 5.282837e-15 1.155308e-15
## South Asia (excluding high income) 6.431593e-16 2.002711e-16
## Sub-Saharan Africa (excluding high income) 3.273433e-16 1.071068e-16
## con28m con30a
## Europe & Central Asia (excluding high income) 1.974006e-15 2.814307e-15
## High income 1.307440e-14 2.506570e-14
## Latin America & Caribbean (excluding high income) 4.644748e-15 1.127998e-14
## Middle East & North Africa (excluding high income) 3.351373e-15 5.839999e-15
## South Asia (excluding high income) 3.446130e-16 5.941473e-16
## Sub-Saharan Africa (excluding high income) 1.688367e-16 2.909324e-16
## con30b con30c
## Europe & Central Asia (excluding high income) 2.979657e-15 3.212499e-15
## High income 2.379179e-14 2.841036e-14
## Latin America & Caribbean (excluding high income) 1.017233e-14 1.302243e-14
## Middle East & North Africa (excluding high income) 5.501753e-15 6.132530e-15
## South Asia (excluding high income) 5.723975e-16 6.686609e-16
## Sub-Saharan Africa (excluding high income) 2.876654e-16 3.442401e-16
## con30e con30g
## Europe & Central Asia (excluding high income) 1.464268e-15 9.807331e-16
## High income 1.457006e-14 7.778032e-15
## Latin America & Caribbean (excluding high income) 6.381394e-15 3.432035e-15
## Middle East & North Africa (excluding high income) 3.623341e-15 1.515534e-15
## South Asia (excluding high income) 3.209569e-16 1.645076e-16
## Sub-Saharan Africa (excluding high income) 1.637096e-16 9.205048e-17
## con32a
## Europe & Central Asia (excluding high income) 1.459453e-16
## High income 1.707615e-15
## Latin America & Caribbean (excluding high income) 7.349775e-16
## Middle East & North Africa (excluding high income) 3.420837e-16
## South Asia (excluding high income) 6.662427e-17
## Sub-Saharan Africa (excluding high income) 2.371856e-17
##
## Residual Deviance: 66.22181
## AIC: 546.2218## (Intercept) pop_adult
## Europe & Central Asia (excluding high income) -0.16665870 -1.802592e-08
## High income 0.13699586 -3.183474e-07
## Latin America & Caribbean (excluding high income) 0.14280059 -9.983754e-09
## Middle East & North Africa (excluding high income) 0.08987349 -1.602423e-08
## South Asia (excluding high income) 0.15953393 6.973603e-09
## Sub-Saharan Africa (excluding high income) 0.01193127 5.579882e-09
## fiaccount_t_d borrow_any_t_d
## Europe & Central Asia (excluding high income) 0.24985797 0.09837954
## High income 0.13039190 0.00130692
## Latin America & Caribbean (excluding high income) -0.01520232 -0.41962834
## Middle East & North Africa (excluding high income) -1.12543251 0.23808716
## South Asia (excluding high income) 0.06718587 0.42733899
## Sub-Saharan Africa (excluding high income) 0.03716540 0.17070548
## fin11e fin17a
## Europe & Central Asia (excluding high income) -0.004675507 -0.1563766
## High income 0.021584830 0.1123882
## Latin America & Caribbean (excluding high income) 0.081448791 -0.1143166
## Middle East & North Africa (excluding high income) 0.141382745 -0.6113004
## South Asia (excluding high income) -0.066211474 -0.1493307
## Sub-Saharan Africa (excluding high income) -0.016665926 0.2256541
## fin17b fin17c
## Europe & Central Asia (excluding high income) -0.136946587 0.009181952
## High income 0.200567607 0.060274071
## Latin America & Caribbean (excluding high income) 0.220565995 -0.019665375
## Middle East & North Africa (excluding high income) -0.324269019 -0.191993024
## South Asia (excluding high income) -0.288417965 -0.007546211
## Sub-Saharan Africa (excluding high income) 0.009929026 0.358665722
## fin22d fin22e
## Europe & Central Asia (excluding high income) -0.289314692 -0.120125023
## High income 0.004713761 -0.007013824
## Latin America & Caribbean (excluding high income) 0.223653528 0.129212421
## Middle East & North Africa (excluding high income) 0.229496633 -0.117152519
## South Asia (excluding high income) 0.139751333 -0.018277699
## Sub-Saharan Africa (excluding high income) 0.043717297 0.064161360
## fin22a_22a1_22g_d
## Europe & Central Asia (excluding high income) 0.268560112
## High income 0.003948218
## Latin America & Caribbean (excluding high income) 0.433521161
## Middle East & North Africa (excluding high income) -0.482115442
## South Asia (excluding high income) 0.012783125
## Sub-Saharan Africa (excluding high income) -0.171873821
## fin22b fin24sav
## Europe & Central Asia (excluding high income) 0.007371080 0.001422361
## High income -0.002518901 0.050199142
## Latin America & Caribbean (excluding high income) -1.015744014 0.107139479
## Middle East & North Africa (excluding high income) 0.585802210 -0.227155377
## South Asia (excluding high income) 0.178079592 -0.106206292
## Sub-Saharan Africa (excluding high income) 0.300643297 -0.091048230
## fin24fam fin24work
## Europe & Central Asia (excluding high income) 0.09426573 0.174903805
## High income 0.07015543 -0.118067744
## Latin America & Caribbean (excluding high income) -0.46625542 -0.005239562
## Middle East & North Africa (excluding high income) 0.84633161 -0.305132995
## South Asia (excluding high income) 0.18578301 0.031529245
## Sub-Saharan Africa (excluding high income) -0.11132599 -0.135532364
## fin24sell fin24a_vd
## Europe & Central Asia (excluding high income) -0.24953685 -0.33131905
## High income -0.01621462 0.14162654
## Latin America & Caribbean (excluding high income) 0.03923182 0.05763727
## Middle East & North Africa (excluding high income) -0.13869067 -0.29047888
## South Asia (excluding high income) -0.01846316 0.41174032
## Sub-Saharan Africa (excluding high income) 0.19772349 0.15928260
## fin24a_sd fin24a_nd
## Europe & Central Asia (excluding high income) 0.022238240 0.17840795
## High income -0.018626341 -0.07264470
## Latin America & Caribbean (excluding high income) 0.043668823 0.01650606
## Middle East & North Africa (excluding high income) 0.161205301 0.05243878
## South Asia (excluding high income) 0.005572783 -0.20987091
## Sub-Saharan Africa (excluding high income) -0.188645330 -0.14248287
## fin24a_n fin24fam_sd_nd
## Europe & Central Asia (excluding high income) -0.06247611 0.143794542
## High income 0.08824623 -0.025776876
## Latin America & Caribbean (excluding high income) 0.03097397 -0.349019872
## Middle East & North Africa (excluding high income) 0.16390141 0.658125121
## South Asia (excluding high income) -0.03630606 0.006253693
## Sub-Saharan Africa (excluding high income) 0.18476085 -0.164181620
## fin24fam_vd fh2
## Europe & Central Asia (excluding high income) -0.06427897 -0.004000112
## High income 0.09871424 0.015261497
## Latin America & Caribbean (excluding high income) -0.10299450 -0.145973362
## Middle East & North Africa (excluding high income) 0.17677767 -0.233408763
## South Asia (excluding high income) 0.18476678 -0.102197552
## Sub-Saharan Africa (excluding high income) 0.05223252 0.159555973
## fin30 fin31a
## Europe & Central Asia (excluding high income) 0.09705329 0.24153533
## High income 0.03215869 -0.04243323
## Latin America & Caribbean (excluding high income) 0.52945235 0.12070340
## Middle East & North Africa (excluding high income) -0.73645474 -0.66684676
## South Asia (excluding high income) -0.22088697 -0.18007121
## Sub-Saharan Africa (excluding high income) -0.53021133 -0.12767494
## fin31d fin32_n33
## Europe & Central Asia (excluding high income) -0.38079455 -0.09156483
## High income 0.03118068 0.01852692
## Latin America & Caribbean (excluding high income) 0.33007452 -0.42218815
## Middle East & North Africa (excluding high income) 0.19106491 -0.03869223
## South Asia (excluding high income) -0.06285898 -0.04272221
## Sub-Saharan Africa (excluding high income) -0.31922997 -0.22547191
## fin37 fin42
## Europe & Central Asia (excluding high income) -0.1507113163 0.06766589
## High income -0.0006550191 -0.05925633
## Latin America & Caribbean (excluding high income) -0.1970325865 -0.72241388
## Middle East & North Africa (excluding high income) -0.1339119905 -0.33709801
## South Asia (excluding high income) -0.0614468973 0.05117831
## Sub-Saharan Africa (excluding high income) -0.1588560418 0.42683282
## fin45a fin45c
## Europe & Central Asia (excluding high income) -0.02025047 -0.1037990683
## High income 0.06034087 -0.0351528989
## Latin America & Caribbean (excluding high income) 0.34455397 0.2192802313
## Middle East & North Africa (excluding high income) -0.24666528 0.2093803470
## South Asia (excluding high income) -0.10594118 -0.2215171566
## Sub-Saharan Africa (excluding high income) -0.10445016 -0.0005876273
## fin45d fin45e
## Europe & Central Asia (excluding high income) -0.2445839 -0.01501478
## High income 0.1123786 0.01005876
## Latin America & Caribbean (excluding high income) 0.1201592 -0.34292495
## Middle East & North Africa (excluding high income) 0.1639023 0.04027464
## South Asia (excluding high income) 0.4450930 0.07958060
## Sub-Saharan Africa (excluding high income) -0.1181723 -0.01190861
## save_any_t_d fin6m
## Europe & Central Asia (excluding high income) -0.2604452 0.38248516
## High income 0.1093461 0.06043376
## Latin America & Caribbean (excluding high income) 0.2060432 -0.12125520
## Middle East & North Africa (excluding high income) -0.5898240 -0.01178817
## South Asia (excluding high income) -0.4549116 -0.13615440
## Sub-Saharan Africa (excluding high income) 0.3605675 -0.04793481
## fin9a fin19
## Europe & Central Asia (excluding high income) 0.175952085 -0.05213550
## High income -0.005404138 -0.03855397
## Latin America & Caribbean (excluding high income) -0.494575557 -0.44610886
## Middle East & North Africa (excluding high income) -0.390274153 -0.13054497
## South Asia (excluding high income) -0.174677309 -0.10718102
## Sub-Saharan Africa (excluding high income) 0.183066727 0.17522259
## fin24ba fin24bb
## Europe & Central Asia (excluding high income) -0.106377626 0.21907842
## High income -0.004737589 -0.01205877
## Latin America & Caribbean (excluding high income) -0.317429455 0.19481779
## Middle East & North Africa (excluding high income) 0.587237683 -0.13651535
## South Asia (excluding high income) 0.431233193 0.16034775
## Sub-Saharan Africa (excluding high income) -0.141757162 -0.09796482
## fin24bc fin24bd
## Europe & Central Asia (excluding high income) 0.030923316 -0.3401505
## High income 0.002278905 0.1050788
## Latin America & Caribbean (excluding high income) -0.002838063 0.2475694
## Middle East & North Africa (excluding high income) -0.105273297 -0.2850678
## South Asia (excluding high income) 0.046025294 -0.3313729
## Sub-Saharan Africa (excluding high income) 0.006781562 0.1209035
## fin24c fin24d1
## Europe & Central Asia (excluding high income) -0.28123538 -0.228227988
## High income -0.13034438 -0.055556156
## Latin America & Caribbean (excluding high income) -0.01922145 0.110809744
## Middle East & North Africa (excluding high income) 0.17576997 -0.233878129
## South Asia (excluding high income) 0.14858583 0.096452203
## Sub-Saharan Africa (excluding high income) -0.12401715 0.007945175
## fin25e4d fh2a
## Europe & Central Asia (excluding high income) -0.227438792 0.29330757
## High income -0.005310253 -0.11465314
## Latin America & Caribbean (excluding high income) 0.055989005 0.40328102
## Middle East & North Africa (excluding high income) -0.201911719 -0.35454252
## South Asia (excluding high income) 0.514479958 0.09916373
## Sub-Saharan Africa (excluding high income) -0.102155271 -0.07296458
## fin22f con1
## Europe & Central Asia (excluding high income) 0.006711316 -0.08201120
## High income -0.087432826 0.05897862
## Latin America & Caribbean (excluding high income) -0.409767197 0.11026906
## Middle East & North Africa (excluding high income) 0.405009125 0.30298163
## South Asia (excluding high income) 0.609585906 -0.11423055
## Sub-Saharan Africa (excluding high income) 0.181781097 -0.22256110
## con11 con16
## Europe & Central Asia (excluding high income) -0.05649354 0.08222796
## High income 0.15983124 0.06860470
## Latin America & Caribbean (excluding high income) 0.15525370 0.89534425
## Middle East & North Africa (excluding high income) -0.25412653 0.09194718
## South Asia (excluding high income) -0.36770114 -0.65739389
## Sub-Saharan Africa (excluding high income) -0.26013183 -0.26037497
## con17a con17b
## Europe & Central Asia (excluding high income) 0.15067510 -0.5201505
## High income -0.08430907 0.1312500
## Latin America & Caribbean (excluding high income) 0.23868473 0.5334095
## Middle East & North Africa (excluding high income) -0.34868912 0.1515984
## South Asia (excluding high income) -0.57081849 0.5032312
## Sub-Saharan Africa (excluding high income) -0.19776609 -0.1198378
## con20 con21
## Europe & Central Asia (excluding high income) -0.22190854 -0.2164139
## High income 0.02063381 0.1202910
## Latin America & Caribbean (excluding high income) 1.23063703 0.7660950
## Middle East & North Africa (excluding high income) -0.25990908 -0.3757922
## South Asia (excluding high income) -0.25169996 -0.2717217
## Sub-Saharan Africa (excluding high income) -0.14053667 -0.1389263
## con27 con28w
## Europe & Central Asia (excluding high income) 0.36079579 -0.24845663
## High income 0.02443748 0.14327659
## Latin America & Caribbean (excluding high income) -0.40774792 0.45083712
## Middle East & North Africa (excluding high income) 0.12888223 -0.40201996
## South Asia (excluding high income) -0.54509919 -0.16488906
## Sub-Saharan Africa (excluding high income) -0.47831544 -0.01303173
## con28m con30a
## Europe & Central Asia (excluding high income) 0.6331066 0.2502639
## High income -0.1250569 0.1147757
## Latin America & Caribbean (excluding high income) -0.9274910 0.7022741
## Middle East & North Africa (excluding high income) 0.5548281 0.5801967
## South Asia (excluding high income) -0.2937939 -0.5047008
## Sub-Saharan Africa (excluding high income) -0.4382352 -0.5684621
## con30b con30c
## Europe & Central Asia (excluding high income) 0.27649327 -0.48579645
## High income 0.03221584 0.01295058
## Latin America & Caribbean (excluding high income) -0.41716561 0.41990578
## Middle East & North Africa (excluding high income) 0.54993311 0.30489250
## South Asia (excluding high income) -0.34167356 -0.40413818
## Sub-Saharan Africa (excluding high income) -0.52939973 -0.62320964
## con30e con30g
## Europe & Central Asia (excluding high income) -0.24323136 0.15721747
## High income -0.01224430 0.02462844
## Latin America & Caribbean (excluding high income) 0.02249491 -0.18121197
## Middle East & North Africa (excluding high income) 0.65468886 -0.05562750
## South Asia (excluding high income) -0.50183906 -0.28864925
## Sub-Saharan Africa (excluding high income) -0.36996605 -0.24207250
## con32a
## Europe & Central Asia (excluding high income) -0.12259342
## High income -0.00936354
## Latin America & Caribbean (excluding high income) -0.11144696
## Middle East & North Africa (excluding high income) 0.11593363
## South Asia (excluding high income) 0.21306011
## Sub-Saharan Africa (excluding high income) 0.34269650## (Intercept) pop_adult
## Europe & Central Asia (excluding high income) 0.8464885 1.0000000
## High income 1.1468234 0.9999997
## Latin America & Caribbean (excluding high income) 1.1534998 1.0000000
## Middle East & North Africa (excluding high income) 1.0940359 1.0000000
## South Asia (excluding high income) 1.1729641 1.0000000
## Sub-Saharan Africa (excluding high income) 1.0120027 1.0000000
## fiaccount_t_d borrow_any_t_d
## Europe & Central Asia (excluding high income) 1.2838431 1.1033815
## High income 1.1392748 1.0013078
## Latin America & Caribbean (excluding high income) 0.9849126 0.6572911
## Middle East & North Africa (excluding high income) 0.3245121 1.2688198
## South Asia (excluding high income) 1.0694942 1.5331723
## Sub-Saharan Africa (excluding high income) 1.0378647 1.1861414
## fin11e fin17a
## Europe & Central Asia (excluding high income) 0.9953354 0.8552371
## High income 1.0218195 1.1189471
## Latin America & Caribbean (excluding high income) 1.0848577 0.8919755
## Middle East & North Africa (excluding high income) 1.1518654 0.5426448
## South Asia (excluding high income) 0.9359329 0.8612842
## Sub-Saharan Africa (excluding high income) 0.9834722 1.2531421
## fin17b fin17c
## Europe & Central Asia (excluding high income) 0.8720168 1.0092242
## High income 1.2220962 1.0621276
## Latin America & Caribbean (excluding high income) 1.2467822 0.9805267
## Middle East & North Africa (excluding high income) 0.7230557 0.8253126
## South Asia (excluding high income) 0.7494483 0.9924822
## Sub-Saharan Africa (excluding high income) 1.0099785 1.4314182
## fin22d fin22e
## Europe & Central Asia (excluding high income) 0.7487765 0.8868096
## High income 1.0047249 0.9930107
## Latin America & Caribbean (excluding high income) 1.2506376 1.1379318
## Middle East & North Africa (excluding high income) 1.2579666 0.8894495
## South Asia (excluding high income) 1.1499878 0.9818883
## Sub-Saharan Africa (excluding high income) 1.0446870 1.0662644
## fin22a_22a1_22g_d fin22b
## Europe & Central Asia (excluding high income) 1.3080796 1.0073983
## High income 1.0039560 0.9974843
## Latin America & Caribbean (excluding high income) 1.5426800 0.3621329
## Middle East & North Africa (excluding high income) 0.6174758 1.7964315
## South Asia (excluding high income) 1.0128652 1.1949204
## Sub-Saharan Africa (excluding high income) 0.8420854 1.3507274
## fin24sav fin24fam
## Europe & Central Asia (excluding high income) 1.0014234 1.0988517
## High income 1.0514805 1.0726749
## Latin America & Caribbean (excluding high income) 1.1130895 0.6273470
## Middle East & North Africa (excluding high income) 0.7967970 2.3310798
## South Asia (excluding high income) 0.8992391 1.2041609
## Sub-Saharan Africa (excluding high income) 0.9129737 0.8946471
## fin24work fin24sell
## Europe & Central Asia (excluding high income) 1.1911316 0.7791616
## High income 0.8886359 0.9839161
## Latin America & Caribbean (excluding high income) 0.9947741 1.0400115
## Middle East & North Africa (excluding high income) 0.7370253 0.8704973
## South Asia (excluding high income) 1.0320316 0.9817062
## Sub-Saharan Africa (excluding high income) 0.8732509 1.2186254
## fin24a_vd fin24a_sd
## Europe & Central Asia (excluding high income) 0.7179761 1.0224874
## High income 1.1521463 0.9815461
## Latin America & Caribbean (excluding high income) 1.0593307 1.0446363
## Middle East & North Africa (excluding high income) 0.7479053 1.1749262
## South Asia (excluding high income) 1.5094424 1.0055883
## Sub-Saharan Africa (excluding high income) 1.1726693 0.8280801
## fin24a_nd fin24a_n
## Europe & Central Asia (excluding high income) 1.1953128 0.9394355
## High income 0.9299312 1.0922570
## Latin America & Caribbean (excluding high income) 1.0166430 1.0314587
## Middle East & North Africa (excluding high income) 1.0538380 1.1780982
## South Asia (excluding high income) 0.8106889 0.9643451
## Sub-Saharan Africa (excluding high income) 0.8672024 1.2029307
## fin24fam_sd_nd fin24fam_vd
## Europe & Central Asia (excluding high income) 1.1546469 0.9377434
## High income 0.9745525 1.1037508
## Latin America & Caribbean (excluding high income) 0.7053791 0.9021319
## Middle East & North Africa (excluding high income) 1.9311682 1.1933657
## South Asia (excluding high income) 1.0062733 1.2029379
## Sub-Saharan Africa (excluding high income) 0.8485879 1.0536207
## fh2 fin30
## Europe & Central Asia (excluding high income) 0.9960079 1.1019191
## High income 1.0153785 1.0326814
## Latin America & Caribbean (excluding high income) 0.8641807 1.6980021
## Middle East & North Africa (excluding high income) 0.7918298 0.4788084
## South Asia (excluding high income) 0.9028512 0.8018073
## Sub-Saharan Africa (excluding high income) 1.1729899 0.5884806
## fin31a fin31d
## Europe & Central Asia (excluding high income) 1.2732024 0.6833183
## High income 0.9584545 1.0316719
## Latin America & Caribbean (excluding high income) 1.1282902 1.3910718
## Middle East & North Africa (excluding high income) 0.5133247 1.2105380
## South Asia (excluding high income) 0.8352107 0.9390759
## Sub-Saharan Africa (excluding high income) 0.8801394 0.7267084
## fin32_n33 fin37
## Europe & Central Asia (excluding high income) 0.9125022 0.8600960
## High income 1.0186996 0.9993452
## Latin America & Caribbean (excluding high income) 0.6556107 0.8211639
## Middle East & North Africa (excluding high income) 0.9620468 0.8746670
## South Asia (excluding high income) 0.9581775 0.9404029
## Sub-Saharan Africa (excluding high income) 0.7981395 0.8531192
## fin42 fin45a
## Europe & Central Asia (excluding high income) 1.0700078 0.9799532
## High income 0.9424652 1.0621986
## Latin America & Caribbean (excluding high income) 0.4855787 1.4113603
## Middle East & North Africa (excluding high income) 0.7138389 0.7814022
## South Asia (excluding high income) 1.0525106 0.8994776
## Sub-Saharan Africa (excluding high income) 1.5323964 0.9008197
## fin45c fin45d
## Europe & Central Asia (excluding high income) 0.9014064 0.7830303
## High income 0.9654578 1.1189364
## Latin America & Caribbean (excluding high income) 1.2451802 1.1276763
## Middle East & North Africa (excluding high income) 1.2329138 1.1780992
## South Asia (excluding high income) 0.8013022 1.5606353
## Sub-Saharan Africa (excluding high income) 0.9994125 0.8885429
## fin45e save_any_t_d
## Europe & Central Asia (excluding high income) 0.9850974 0.7707084
## High income 1.0101095 1.1155484
## Latin America & Caribbean (excluding high income) 0.7096915 1.2288062
## Middle East & North Africa (excluding high income) 1.0410967 0.5544249
## South Asia (excluding high income) 1.0828328 0.6345041
## Sub-Saharan Africa (excluding high income) 0.9881620 1.4341431
## fin6m fin9a
## Europe & Central Asia (excluding high income) 1.4659231 1.1923809
## High income 1.0622972 0.9946104
## Latin America & Caribbean (excluding high income) 0.8858079 0.6098297
## Middle East & North Africa (excluding high income) 0.9882810 0.6768713
## South Asia (excluding high income) 0.8727079 0.8397279
## Sub-Saharan Africa (excluding high income) 0.9531959 1.2008945
## fin19 fin24ba
## Europe & Central Asia (excluding high income) 0.9492002 0.8990851
## High income 0.9621798 0.9952736
## Latin America & Caribbean (excluding high income) 0.6401141 0.7280180
## Middle East & North Africa (excluding high income) 0.8776170 1.7990121
## South Asia (excluding high income) 0.8983630 1.5391544
## Sub-Saharan Africa (excluding high income) 1.1915114 0.8678320
## fin24bb fin24bc
## Europe & Central Asia (excluding high income) 1.2449289 1.0314064
## High income 0.9880136 1.0022815
## Latin America & Caribbean (excluding high income) 1.2150896 0.9971660
## Middle East & North Africa (excluding high income) 0.8723929 0.9000785
## South Asia (excluding high income) 1.1739190 1.0471009
## Sub-Saharan Africa (excluding high income) 0.9066808 1.0068046
## fin24bd fin24c
## Europe & Central Asia (excluding high income) 0.7116632 0.7548506
## High income 1.1107982 0.8777931
## Latin America & Caribbean (excluding high income) 1.2809083 0.9809621
## Middle East & North Africa (excluding high income) 0.7519633 1.1921638
## South Asia (excluding high income) 0.7179374 1.1601924
## Sub-Saharan Africa (excluding high income) 1.1285160 0.8833647
## fin24d1 fin25e4d
## Europe & Central Asia (excluding high income) 0.7959428 0.7965712
## High income 0.9459589 0.9947038
## Latin America & Caribbean (excluding high income) 1.1171823 1.0575861
## Middle East & North Africa (excluding high income) 0.7914583 0.8171671
## South Asia (excluding high income) 1.1012569 1.6727684
## Sub-Saharan Africa (excluding high income) 1.0079768 0.9028893
## fh2a fin22f
## Europe & Central Asia (excluding high income) 1.3408551 1.0067339
## High income 0.8916754 0.9162804
## Latin America & Caribbean (excluding high income) 1.4967274 0.6638048
## Middle East & North Africa (excluding high income) 0.7014943 1.4993162
## South Asia (excluding high income) 1.1042471 1.8396694
## Sub-Saharan Africa (excluding high income) 0.9296338 1.1993516
## con1 con11
## Europe & Central Asia (excluding high income) 0.9212616 0.9450726
## High income 1.0607526 1.1733128
## Latin America & Caribbean (excluding high income) 1.1165785 1.1679542
## Middle East & North Africa (excluding high income) 1.3538896 0.7755937
## South Asia (excluding high income) 0.8920523 0.6923241
## Sub-Saharan Africa (excluding high income) 0.8004661 0.7709499
## con16 con17a
## Europe & Central Asia (excluding high income) 1.0857033 1.1626189
## High income 1.0710128 0.9191471
## Latin America & Caribbean (excluding high income) 2.4481784 1.2695782
## Middle East & North Africa (excluding high income) 1.0963069 0.7056125
## South Asia (excluding high income) 0.5182001 0.5650628
## Sub-Saharan Africa (excluding high income) 0.7707625 0.8205618
## con17b con20
## Europe & Central Asia (excluding high income) 0.5944311 0.8009886
## High income 1.1402528 1.0208482
## Latin America & Caribbean (excluding high income) 1.7047346 3.4234097
## Middle East & North Africa (excluding high income) 1.1636928 0.7711217
## South Asia (excluding high income) 1.6540572 0.7774780
## Sub-Saharan Africa (excluding high income) 0.8870643 0.8688918
## con21 con27
## Europe & Central Asia (excluding high income) 0.8054019 1.4344705
## High income 1.1278250 1.0247385
## Latin America & Caribbean (excluding high income) 2.1513488 0.6651465
## Middle East & North Africa (excluding high income) 0.6867450 1.1375561
## South Asia (excluding high income) 0.7620663 0.5797843
## Sub-Saharan Africa (excluding high income) 0.8702922 0.6198266
## con28w con28m
## Europe & Central Asia (excluding high income) 0.7800037 1.8834527
## High income 1.1540490 0.8824467
## Latin America & Caribbean (excluding high income) 1.5696256 0.3955449
## Middle East & North Africa (excluding high income) 0.6689674 1.7416415
## South Asia (excluding high income) 0.8479878 0.7454301
## Sub-Saharan Africa (excluding high income) 0.9870528 0.6451740
## con30a con30b
## Europe & Central Asia (excluding high income) 1.2843644 1.3184981
## High income 1.1216218 1.0327404
## Latin America & Caribbean (excluding high income) 2.0183374 0.6589118
## Middle East & North Africa (excluding high income) 1.7863897 1.7331371
## South Asia (excluding high income) 0.6036862 0.7105801
## Sub-Saharan Africa (excluding high income) 0.5663958 0.5889584
## con30c con30e
## Europe & Central Asia (excluding high income) 0.6152070 0.7840901
## High income 1.0130348 0.9878304
## Latin America & Caribbean (excluding high income) 1.5218182 1.0227498
## Middle East & North Africa (excluding high income) 1.3564792 1.9245436
## South Asia (excluding high income) 0.6675519 0.6054162
## Sub-Saharan Africa (excluding high income) 0.5362206 0.6907578
## con30g con32a
## Europe & Central Asia (excluding high income) 1.1702501 0.8846233
## High income 1.0249342 0.9906802
## Latin America & Caribbean (excluding high income) 0.8342585 0.8945388
## Middle East & North Africa (excluding high income) 0.9458914 1.1229213
## South Asia (excluding high income) 0.7492750 1.2374590
## Sub-Saharan Africa (excluding high income) 0.7849993 1.4087411Pemilihan Model Terbaik
# nama variabel prediktor (tanpa Y)
pred_vars <- colnames(df_model_cor)[colnames(df_model_cor) != "regionwb24_hi"]
# buat formula penuh (string -> formula)
formula_full <- as.formula(paste("regionwb24_hi ~", paste(pred_vars, collapse = " + ")))
# 2) Model null dan model full (safe)
# Model null (intercept only) berdasar df_model_cor
model_null <- multinom(regionwb24_hi ~ 1, data = df_model_cor, trace = FALSE)
model_full_try <- tryCatch({
multinom(formula_full, data = df_model_cor, trace = FALSE)
}, error = function(e) {
message("Peringatan: model_full gagal di-fit (mungkin terlalu banyak parameter). Akan tetap melanjutkan stepAIC dari model_null dengan scope atas formula_full.")
return(NULL)
})
# 3) Stepwise dengan scope aman
step_model <- NULL
step_result <- tryCatch({
stepAIC(model_null,
scope = list(lower = formula(model_null), upper = formula_full),
direction = "both",
trace = TRUE)
}, error = function(e) {
message("stepAIC dengan model_null gagal: ", e$message)
# fallback: pakai stepAIC starting dari model_full jika model_full_try tersedia
if (!is.null(model_full_try)) {
message("Mencoba fallback: stepAIC dari model_full...")
return(stepAIC(model_full_try, direction = "both", trace = TRUE))
} else {
stop("Stepwise gagal dan model_full tidak tersedia sebagai fallback. Pertimbangkan PCA atau regularisasi.")
}
})## Start: AIC=145.92
## regionwb24_hi ~ 1
##
## Df AIC
## + fin30 6 111.55
## + con32a 6 113.62
## + con27 6 115.21
## + fin24bd 6 119.34
## + con30b 6 119.49
## + con30a 6 120.50
## + fin22b 6 120.82
## + con11 6 122.02
## + fin31a 6 124.49
## + fin42 6 124.57
## + fin24fam_sd_nd 6 124.61
## + con17a 6 124.69
## + fin24ba 6 125.78
## + con30c 6 126.36
## + fin32_n33 6 128.09
## + fin22f 6 129.49
## + save_any_t_d 6 130.06
## + fin24fam 6 130.14
## + con21 6 131.00
## + con16 6 131.22
## + fin24sell 6 131.22
## + con17b 6 132.33
## + con28m 6 132.56
## + con30e 6 133.74
## + con20 6 133.89
## + fin17c 6 133.97
## + fin24bb 6 133.99
## + con1 6 134.60
## + fin24a_nd 6 135.32
## + fin17a 6 135.43
## + fin24a_vd 6 135.83
## + fin22a_22a1_22g_d 6 136.99
## + fin45a 6 137.66
## + fin24d1 6 139.65
## + fin24work 6 140.76
## + fin22e 6 141.23
## + fin24sav 6 141.94
## + con30g 6 142.23
## + fin17b 6 142.32
## + fin22d 6 142.45
## + borrow_any_t_d 6 142.87
## + pop_adult 6 143.76
## + con28w 6 144.35
## + fiaccount_t_d 6 145.36
## + fin24fam_vd 6 145.44
## + fin24a_n 6 145.45
## + fin37 6 145.85
## <none> 145.93
## + fin19 6 146.12
## + fin45d 6 146.70
## + fin24a_sd 6 147.09
## + fh2a 6 147.79
## + fin45c 6 148.05
## + fin25e4d 6 148.21
## + fin9a 6 148.46
## + fin6m 6 148.65
## + fh2 6 149.21
## + fin31d 6 149.87
## + fin45e 6 150.20
## + fin24c 6 151.99
## + fin24bc 6 152.91
## + fin11e 6 153.13
##
## Step: AIC=111.55
## regionwb24_hi ~ fin30
##
## Df AIC
## + con27 6 89.770
## + save_any_t_d 6 96.935
## + con20 6 97.722
## + con30b 6 97.727
## + fin32_n33 6 97.913
## + fin24d1 6 98.470
## + fin24fam_sd_nd 6 98.498
## + con30a 6 98.525
## + fin24bd 6 99.085
## + con30c 6 99.976
## + fin22b 6 100.591
## + fin31d 6 100.676
## + fin42 6 100.751
## + fin24bb 6 101.490
## + con17a 6 101.626
## + fin22f 6 101.760
## + con16 6 102.024
## + fin24a_vd 6 102.058
## + con32a 6 102.574
## + con17b 6 102.855
## + con28m 6 103.189
## + con1 6 103.348
## + con21 6 103.614
## + fin31a 6 104.078
## + con11 6 104.390
## + fin22e 6 104.561
## + fin24sell 6 104.697
## + fin24a_nd 6 106.122
## + con30e 6 106.210
## + fin24fam 6 106.680
## + fin17a 6 107.720
## + fin24ba 6 108.432
## + fin24work 6 109.771
## + fin24sav 6 109.922
## <none> 111.549
## + fin45a 6 112.097
## + fin24a_n 6 112.198
## + borrow_any_t_d 6 112.289
## + fin22a_22a1_22g_d 6 112.692
## + fin45c 6 113.408
## + fin22d 6 113.648
## + fin19 6 113.689
## + fin17c 6 114.320
## + con30g 6 114.529
## + fin17b 6 114.629
## + fh2a 6 114.764
## + fin6m 6 114.999
## + fin37 6 115.241
## + fiaccount_t_d 6 115.278
## + fin9a 6 115.576
## + fin24a_sd 6 115.726
## + fin25e4d 6 115.817
## + con28w 6 116.820
## + fin45d 6 116.995
## + fin45e 6 117.274
## + fin24fam_vd 6 117.296
## + fh2 6 117.928
## + fin11e 6 118.930
## + fin24c 6 119.170
## + fin24bc 6 119.683
## + pop_adult 6 140.506
## - fin30 6 145.925
##
## Step: AIC=89.77
## regionwb24_hi ~ fin30 + con27
##
## Df AIC
## + fin24d1 6 73.339
## + save_any_t_d 6 73.518
## + fin24fam 6 73.871
## + con30a 6 75.546
## + fin32_n33 6 79.629
## + fin24a_n 6 80.248
## + con16 6 81.253
## + fin24bb 6 82.193
## + fin24ba 6 82.491
## + fin24bd 6 82.668
## + fin22b 6 83.116
## + con20 6 83.450
## + fin22e 6 83.663
## + con30c 6 83.707
## + fin45a 6 84.536
## + fin24fam_sd_nd 6 85.068
## + fin31d 6 86.281
## + fin22f 6 86.321
## + con21 6 86.527
## + fin17a 6 87.554
## + fin31a 6 87.625
## + fin24sell 6 87.764
## + con17b 6 88.406
## + con11 6 88.794
## + fin24sav 6 88.810
## <none> 89.770
## + fin22a_22a1_22g_d 6 91.132
## + fin24a_vd 6 91.674
## + fin17b 6 92.647
## + fh2a 6 92.743
## + con17a 6 92.986
## + fin24fam_vd 6 94.093
## + fin37 6 94.136
## + fiaccount_t_d 6 94.164
## + con32a 6 94.198
## + fin45e 6 94.798
## + fin24work 6 95.614
## + fin45c 6 95.719
## + con30b 6 95.759
## + fin19 6 95.785
## + con1 6 95.863
## + fin42 6 96.068
## + borrow_any_t_d 6 96.693
## + con28m 6 96.764
## + fin17c 6 96.777
## + fin9a 6 96.790
## + con28w 6 96.937
## + fin24a_sd 6 97.099
## + fin6m 6 97.250
## + fin24c 6 97.947
## + fh2 6 97.990
## + con30e 6 98.231
## + fin24bc 6 98.501
## + fin25e4d 6 98.749
## + fin11e 6 98.797
## + fin24a_nd 6 98.952
## + fin22d 6 99.371
## + con30g 6 100.026
## + fin45d 6 101.501
## - con27 6 111.549
## + pop_adult 6 113.813
## - fin30 6 115.207
##
## Step: AIC=73.34
## regionwb24_hi ~ fin30 + con27 + fin24d1
##
## Df AIC
## + fin24bb 6 60.000
## + save_any_t_d 6 60.000
## + con16 6 60.007
## + fin22a_22a1_22g_d 6 60.011
## + fin17a 6 60.030
## + con21 6 60.115
## + fin24a_n 6 60.227
## + con17b 6 61.185
## + fin22b 6 61.258
## + fin22f 6 64.083
## + con30a 6 65.116
## + con17a 6 65.391
## + fin24ba 6 66.466
## + con20 6 67.509
## + fin45a 6 68.894
## + fin24fam 6 70.588
## + fin24bd 6 71.094
## + fin31a 6 71.719
## + fin31d 6 71.760
## + con30c 6 71.822
## + fin9a 6 72.235
## + borrow_any_t_d 6 72.272
## + fin17b 6 72.525
## + fiaccount_t_d 6 73.070
## <none> 73.339
## + fin42 6 73.797
## + fin24c 6 74.027
## + con30g 6 74.504
## + fin22d 6 75.141
## + fin24a_vd 6 75.381
## + fin22e 6 75.385
## + fin24fam_vd 6 75.419
## + fh2 6 75.794
## + con32a 6 76.038
## + con30e 6 76.074
## + fin6m 6 76.139
## + fin24bc 6 76.188
## + fin32_n33 6 76.369
## + con11 6 76.614
## + con30b 6 77.232
## + fin11e 6 77.853
## + fin45e 6 77.881
## + fin45c 6 78.168
## + pop_adult 6 78.426
## + fin17c 6 78.940
## + fin19 6 78.983
## + fin37 6 79.960
## + con28m 6 79.964
## + fin24work 6 80.472
## + fh2a 6 80.572
## + fin24sav 6 80.755
## + con28w 6 82.616
## + con1 6 83.194
## + fin25e4d 6 83.317
## + fin24a_sd 6 83.369
## + fin24fam_sd_nd 6 83.384
## + fin24a_nd 6 83.460
## + fin45d 6 84.022
## + fin24sell 6 85.701
## - fin24d1 6 89.770
## - con27 6 98.470
## - fin30 6 104.998
##
## Step: AIC=60
## regionwb24_hi ~ fin30 + con27 + fin24d1 + fin24bb
##
## Df AIC
## <none> 60.000
## + fin31d 6 72.000
## + con17b 6 72.000
## + borrow_any_t_d 6 72.000
## + fin22a_22a1_22g_d 6 72.000
## + fin24c 6 72.000
## + fin17a 6 72.000
## + fh2 6 72.000
## + fin17b 6 72.000
## + fin6m 6 72.000
## + fin25e4d 6 72.000
## + fin24sell 6 72.000
## + fin32_n33 6 72.000
## + con28w 6 72.000
## + fiaccount_t_d 6 72.000
## + fin22b 6 72.000
## + fin11e 6 72.000
## + fin45e 6 72.000
## + fin24bc 6 72.000
## + fin22e 6 72.000
## + fin24fam 6 72.000
## + fin9a 6 72.000
## + con30e 6 72.000
## + fin24work 6 72.000
## + con21 6 72.000
## + fin31a 6 72.000
## + fin45d 6 72.000
## + fin42 6 72.000
## + con16 6 72.000
## + fin24a_n 6 72.000
## + fin45c 6 72.000
## + fin22f 6 72.000
## + fin24a_nd 6 72.000
## + con20 6 72.000
## + con30g 6 72.000
## + con1 6 72.000
## + con28m 6 72.000
## + con32a 6 72.000
## + fin24fam_vd 6 72.000
## + con30a 6 72.000
## + fin22d 6 72.000
## + fin17c 6 72.002
## + con17a 6 72.003
## + fin24a_vd 6 72.170
## + save_any_t_d 6 72.187
## + fin24bd 6 72.216
## + con30c 6 72.553
## + fin24ba 6 72.644
## - fin24bb 6 73.339
## + fin24fam_sd_nd 6 73.548
## + con30b 6 74.496
## + fh2a 6 74.803
## + fin24a_sd 6 75.207
## + con11 6 75.755
## + fin37 6 76.199
## + fin45a 6 76.381
## + fin19 6 77.747
## + fin24sav 6 78.037
## - fin24d1 6 82.193
## - fin30 6 89.557
## - con27 6 90.830
## + pop_adult 6 166.944step_model <- step_result
# 4) Ringkasan model akhir (pendugaan parameter final)
cat("\n=== Summary model_step ===\n")##
## === Summary model_step ===## Call:
## multinom(formula = regionwb24_hi ~ fin30 + con27 + fin24d1 +
## fin24bb, data = df_model_cor, trace = FALSE)
##
## Coefficients:
## (Intercept) fin30
## Europe & Central Asia (excluding high income) -1628.096 648.6604
## High income 2639.202 -2136.3072
## Latin America & Caribbean (excluding high income) 1656.999 -1490.7923
## Middle East & North Africa (excluding high income) 4635.083 -5806.9081
## South Asia (excluding high income) 5072.283 -5384.1509
## Sub-Saharan Africa (excluding high income) 7737.530 -9346.9760
## con27 fin24d1
## Europe & Central Asia (excluding high income) -2919.950 -6411.9607
## High income -2293.380 -2175.4737
## Latin America & Caribbean (excluding high income) -2217.928 -1615.0352
## Middle East & North Africa (excluding high income) -2069.862 -7683.3533
## South Asia (excluding high income) -7145.856 -922.0883
## Sub-Saharan Africa (excluding high income) -10062.641 335.0504
## fin24bb
## Europe & Central Asia (excluding high income) 10569.6184
## High income 643.6894
## Latin America & Caribbean (excluding high income) 2827.9837
## Middle East & North Africa (excluding high income) 240.6101
## South Asia (excluding high income) 3764.5441
## Sub-Saharan Africa (excluding high income) -1218.2861
##
## Std. Errors:
## (Intercept) fin30
## Europe & Central Asia (excluding high income) 5.018837e+03 3.231958e+03
## High income 1.847513e+03 1.369679e+03
## Latin America & Caribbean (excluding high income) 3.484377e+04 3.957052e+04
## Middle East & North Africa (excluding high income) 5.548451e+03 6.966764e+03
## South Asia (excluding high income) 3.507008e+03 1.313134e+03
## Sub-Saharan Africa (excluding high income) 3.602511e-13 9.512371e-14
## con27 fin24d1
## Europe & Central Asia (excluding high income) 2.051871e+03 4.281914e+02
## High income 3.557050e+03 1.194301e+03
## Latin America & Caribbean (excluding high income) 1.366978e+04 6.991136e+04
## Middle East & North Africa (excluding high income) 5.845215e+03 8.991029e+03
## South Asia (excluding high income) 1.526211e+03 2.991008e+02
## Sub-Saharan Africa (excluding high income) 4.202057e-14 3.574596e-14
## fin24bb
## Europe & Central Asia (excluding high income) 1.680673e+03
## High income 8.606675e+02
## Latin America & Caribbean (excluding high income) 4.796048e+04
## Middle East & North Africa (excluding high income) 4.318117e+03
## South Asia (excluding high income) 1.015414e+03
## Sub-Saharan Africa (excluding high income) 9.715983e-14
##
## Residual Deviance: 0.0001448367
## AIC: 60.00014Pendugaan Parameter Model Regresi Logistik
model_final <- multinom(regionwb24_hi ~ fin30 + con27 + fin24d1 + fin24bb,
data = df_model_step,
trace = FALSE,
decay = 0.01)
summary(model_final)## Call:
## multinom(formula = regionwb24_hi ~ fin30 + con27 + fin24d1 +
## fin24bb, data = df_model_step, trace = FALSE, decay = 0.01)
##
## Coefficients:
## (Intercept) fin30
## Europe & Central Asia (excluding high income) -2.3700120 -0.8417821
## High income 0.9386382 -2.5415121
## Latin America & Caribbean (excluding high income) 1.5340988 -2.1009781
## Middle East & North Africa (excluding high income) 2.7651734 -4.9128152
## South Asia (excluding high income) -1.4517843 -4.2918867
## Sub-Saharan Africa (excluding high income) -5.9688054 -7.8271454
## con27 fin24d1
## Europe & Central Asia (excluding high income) -0.01528457 -5.411349
## High income -1.94270505 -2.341099
## Latin America & Caribbean (excluding high income) -2.38013331 -1.589538
## Middle East & North Africa (excluding high income) -1.77319965 -6.540214
## South Asia (excluding high income) -6.59359488 1.728470
## Sub-Saharan Africa (excluding high income) -6.76790683 -1.370915
## fin24bb
## Europe & Central Asia (excluding high income) 8.7406419
## High income -0.9794053
## Latin America & Caribbean (excluding high income) 5.7502274
## Middle East & North Africa (excluding high income) -2.6830900
## South Asia (excluding high income) 0.4979483
## Sub-Saharan Africa (excluding high income) -2.2824306
##
## Std. Errors:
## (Intercept) fin30
## Europe & Central Asia (excluding high income) 4.095986 1.227885
## High income 6.664068 1.932811
## Latin America & Caribbean (excluding high income) 3.406355 1.266845
## Middle East & North Africa (excluding high income) 4.458549 1.682963
## South Asia (excluding high income) 9.336221 2.079223
## Sub-Saharan Africa (excluding high income) 16.386361 4.314943
## con27 fin24d1 fin24bb
## Europe & Central Asia (excluding high income) 1.203339 15.260501 12.50417
## High income 1.871293 15.395269 22.69090
## Latin America & Caribbean (excluding high income) 1.071075 5.269713 10.68408
## Middle East & North Africa (excluding high income) 1.279658 16.976030 14.90886
## South Asia (excluding high income) 3.073801 12.659376 30.02778
## Sub-Saharan Africa (excluding high income) 3.561741 30.195141 49.19531
##
## Residual Deviance: 59.18295
## AIC: 119.1829Uji Hipotesis
s <- summary(model_final)
# Z-values
z_values <- s$coefficients / s$standard.errors
# P-values
p_values <- (1 - pnorm(abs(z_values))) * 2
# Tampilkan hasil
z_values## (Intercept) fin30
## Europe & Central Asia (excluding high income) -0.5786182 -0.6855545
## High income 0.1408506 -1.3149308
## Latin America & Caribbean (excluding high income) 0.4503637 -1.6584328
## Middle East & North Africa (excluding high income) 0.6201958 -2.9191471
## South Asia (excluding high income) -0.1555002 -2.0641781
## Sub-Saharan Africa (excluding high income) -0.3642545 -1.8139626
## con27 fin24d1
## Europe & Central Asia (excluding high income) -0.0127018 -0.35459838
## High income -1.0381619 -0.15206611
## Latin America & Caribbean (excluding high income) -2.2221913 -0.30163644
## Middle East & North Africa (excluding high income) -1.3856823 -0.38526170
## South Asia (excluding high income) -2.1450947 0.13653671
## Sub-Saharan Africa (excluding high income) -1.9001681 -0.04540184
## fin24bb
## Europe & Central Asia (excluding high income) 0.69901814
## High income -0.04316291
## Latin America & Caribbean (excluding high income) 0.53820523
## Middle East & North Africa (excluding high income) -0.17996613
## South Asia (excluding high income) 0.01658292
## Sub-Saharan Africa (excluding high income) -0.04639529## (Intercept) fin30
## Europe & Central Asia (excluding high income) 0.5628468 0.492994091
## High income 0.8879879 0.188533160
## Latin America & Caribbean (excluding high income) 0.6524482 0.097230138
## Middle East & North Africa (excluding high income) 0.5351289 0.003509906
## South Asia (excluding high income) 0.8764270 0.039000834
## Sub-Saharan Africa (excluding high income) 0.7156680 0.069683486
## con27 fin24d1
## Europe & Central Asia (excluding high income) 0.98986570 0.7228905
## High income 0.29919468 0.8791348
## Latin America & Caribbean (excluding high income) 0.02627038 0.7629292
## Middle East & North Africa (excluding high income) 0.16584393 0.7000435
## South Asia (excluding high income) 0.03194527 0.8913970
## Sub-Saharan Africa (excluding high income) 0.05741107 0.9637870
## fin24bb
## Europe & Central Asia (excluding high income) 0.4845407
## High income 0.9655717
## Latin America & Caribbean (excluding high income) 0.5904354
## Middle East & North Africa (excluding high income) 0.8571792
## South Asia (excluding high income) 0.9867694
## Sub-Saharan Africa (excluding high income) 0.9629952## (Intercept) fin30
## Europe & Central Asia (excluding high income) -2.3700120 -0.8417821
## High income 0.9386382 -2.5415121
## Latin America & Caribbean (excluding high income) 1.5340988 -2.1009781
## Middle East & North Africa (excluding high income) 2.7651734 -4.9128152
## South Asia (excluding high income) -1.4517843 -4.2918867
## Sub-Saharan Africa (excluding high income) -5.9688054 -7.8271454
## con27 fin24d1
## Europe & Central Asia (excluding high income) -0.01528457 -5.411349
## High income -1.94270505 -2.341099
## Latin America & Caribbean (excluding high income) -2.38013331 -1.589538
## Middle East & North Africa (excluding high income) -1.77319965 -6.540214
## South Asia (excluding high income) -6.59359488 1.728470
## Sub-Saharan Africa (excluding high income) -6.76790683 -1.370915
## fin24bb
## Europe & Central Asia (excluding high income) 8.7406419
## High income -0.9794053
## Latin America & Caribbean (excluding high income) 5.7502274
## Middle East & North Africa (excluding high income) -2.6830900
## South Asia (excluding high income) 0.4979483
## Sub-Saharan Africa (excluding high income) -2.2824306model_null <- multinom(regionwb24_hi ~ 1, data = df_model_step, trace = FALSE)
deviance_null <- deviance(model_null)
deviance_model <- deviance(model_final)
LR_stat <- deviance_null - deviance_model
df_null <- sum(sapply(coef(model_null), length))
df_model <- sum(sapply(coef(model_final), length))
df_LR <- df_model - df_null
p_value <- 1 - pchisq(LR_stat, df = df_LR)
cat("=== Maximum Likelihood Ratio Test ===\n")## === Maximum Likelihood Ratio Test ===## Deviance Null Model : 133.9247## Deviance Model dengan Prediktor : 59.18295## Likelihood Ratio Statistic : 74.74178## Degrees of Freedom : 24## P-value : 4.092136e-07Ukuran Kebaikan Model
## fitting null model for pseudo-r2## llh llhNull G2 McFadden r2ML r2CU
## -29.5914729 -67.0287360 74.8745262 0.5585256 0.8461632 0.8768840## [1] 119.1829Interpretasi Model
## (Intercept) fin30
## Europe & Central Asia (excluding high income) -2.3700120 -0.8417821
## High income 0.9386382 -2.5415121
## Latin America & Caribbean (excluding high income) 1.5340988 -2.1009781
## Middle East & North Africa (excluding high income) 2.7651734 -4.9128152
## South Asia (excluding high income) -1.4517843 -4.2918867
## Sub-Saharan Africa (excluding high income) -5.9688054 -7.8271454
## con27 fin24d1
## Europe & Central Asia (excluding high income) -0.01528457 -5.411349
## High income -1.94270505 -2.341099
## Latin America & Caribbean (excluding high income) -2.38013331 -1.589538
## Middle East & North Africa (excluding high income) -1.77319965 -6.540214
## South Asia (excluding high income) -6.59359488 1.728470
## Sub-Saharan Africa (excluding high income) -6.76790683 -1.370915
## fin24bb
## Europe & Central Asia (excluding high income) 8.7406419
## High income -0.9794053
## Latin America & Caribbean (excluding high income) 5.7502274
## Middle East & North Africa (excluding high income) -2.6830900
## South Asia (excluding high income) 0.4979483
## Sub-Saharan Africa (excluding high income) -2.2824306## (Intercept) fin30
## Europe & Central Asia (excluding high income) 0.093479608 0.4309418553
## High income 2.556497684 0.0787472338
## Latin America & Caribbean (excluding high income) 4.637144853 0.1223367136
## Middle East & North Africa (excluding high income) 15.881793576 0.0073517627
## South Asia (excluding high income) 0.234152115 0.0136790926
## Sub-Saharan Africa (excluding high income) 0.002557294 0.0003987622
## con27 fin24d1
## Europe & Central Asia (excluding high income) 0.984831650 0.004465613
## High income 0.143315748 0.096221867
## Latin America & Caribbean (excluding high income) 0.092538240 0.204019944
## Middle East & North Africa (excluding high income) 0.169788855 0.001444179
## South Asia (excluding high income) 0.001369109 5.632027505
## Sub-Saharan Africa (excluding high income) 0.001150099 0.253874601
## fin24bb
## Europe & Central Asia (excluding high income) 6.251907e+03
## High income 3.755344e-01
## Latin America & Caribbean (excluding high income) 3.142621e+02
## Middle East & North Africa (excluding high income) 6.835162e-02
## South Asia (excluding high income) 1.645342e+00
## Sub-Saharan Africa (excluding high income) 1.020359e-01Prediksi
# Ubah nama class jadi valid R names
df_model_step$regionwb24_hi <- make.names(df_model_step$regionwb24_hi)
# Cek hasil
levels(df_model_step$regionwb24_hi)## NULLlibrary(caret)
library(nnet)
set.seed(123)
form <- regionwb24_hi ~ fin30 + con27 + fin24d1 + fin24bb
ctrl <- trainControl(method = "cv",
number = 5,
classProbs = TRUE,
savePredictions = TRUE)
cv_model <- train(form,
data = df_model_step,
method = "multinom",
trControl = ctrl,
trace = FALSE)## Warning in nnet::multinom(.outcome ~ ., data = dat, decay = param$decay, :
## group 'High.income' is empty
## Warning in nnet::multinom(.outcome ~ ., data = dat, decay = param$decay, :
## group 'High.income' is empty
## Warning in nnet::multinom(.outcome ~ ., data = dat, decay = param$decay, :
## group 'High.income' is empty## Penalized Multinomial Regression
##
## 40 samples
## 4 predictor
## 7 classes: 'East.Asia...Pacific..excluding.high.income.', 'Europe...Central.Asia..excluding.high.income.', 'High.income', 'Latin.America...Caribbean..excluding.high.income.', 'Middle.East...North.Africa..excluding.high.income.', 'South.Asia..excluding.high.income.', 'Sub.Saharan.Africa..excluding.high.income.'
##
## No pre-processing
## Resampling: Cross-Validated (5 fold)
## Summary of sample sizes: 34, 33, 30, 32, 31
## Resampling results across tuning parameters:
##
## decay Accuracy Kappa
## 0e+00 0.5759524 0.4470395
## 1e-04 0.6545238 0.5504374
## 1e-01 0.5637302 0.4028667
##
## Accuracy was used to select the optimal model using the largest value.
## The final value used for the model was decay = 1e-04.## Confusion Matrix and Statistics
##
## Reference
## Prediction East.Asia...Pacific..excluding.high.income.
## East.Asia...Pacific..excluding.high.income. 6
## Europe...Central.Asia..excluding.high.income. 4
## High.income 2
## Latin.America...Caribbean..excluding.high.income. 7
## Middle.East...North.Africa..excluding.high.income. 2
## South.Asia..excluding.high.income. 0
## Sub.Saharan.Africa..excluding.high.income. 0
## Reference
## Prediction Europe...Central.Asia..excluding.high.income.
## East.Asia...Pacific..excluding.high.income. 2
## Europe...Central.Asia..excluding.high.income. 3
## High.income 0
## Latin.America...Caribbean..excluding.high.income. 3
## Middle.East...North.Africa..excluding.high.income. 1
## South.Asia..excluding.high.income. 0
## Sub.Saharan.Africa..excluding.high.income. 0
## Reference
## Prediction High.income
## East.Asia...Pacific..excluding.high.income. 0
## Europe...Central.Asia..excluding.high.income. 0
## High.income 0
## Latin.America...Caribbean..excluding.high.income. 3
## Middle.East...North.Africa..excluding.high.income. 0
## South.Asia..excluding.high.income. 0
## Sub.Saharan.Africa..excluding.high.income. 0
## Reference
## Prediction Latin.America...Caribbean..excluding.high.income.
## East.Asia...Pacific..excluding.high.income. 5
## Europe...Central.Asia..excluding.high.income. 1
## High.income 1
## Latin.America...Caribbean..excluding.high.income. 34
## Middle.East...North.Africa..excluding.high.income. 4
## South.Asia..excluding.high.income. 0
## Sub.Saharan.Africa..excluding.high.income. 0
## Reference
## Prediction Middle.East...North.Africa..excluding.high.income.
## East.Asia...Pacific..excluding.high.income. 0
## Europe...Central.Asia..excluding.high.income. 1
## High.income 3
## Latin.America...Caribbean..excluding.high.income. 3
## Middle.East...North.Africa..excluding.high.income. 13
## South.Asia..excluding.high.income. 1
## Sub.Saharan.Africa..excluding.high.income. 0
## Reference
## Prediction South.Asia..excluding.high.income.
## East.Asia...Pacific..excluding.high.income. 0
## Europe...Central.Asia..excluding.high.income. 0
## High.income 0
## Latin.America...Caribbean..excluding.high.income. 2
## Middle.East...North.Africa..excluding.high.income. 0
## South.Asia..excluding.high.income. 13
## Sub.Saharan.Africa..excluding.high.income. 0
## Reference
## Prediction Sub.Saharan.Africa..excluding.high.income.
## East.Asia...Pacific..excluding.high.income. 0
## Europe...Central.Asia..excluding.high.income. 0
## High.income 0
## Latin.America...Caribbean..excluding.high.income. 0
## Middle.East...North.Africa..excluding.high.income. 1
## South.Asia..excluding.high.income. 3
## Sub.Saharan.Africa..excluding.high.income. 2
##
## Overall Statistics
##
## Accuracy : 0.5917
## 95% CI : (0.4982, 0.6805)
## No Information Rate : 0.375
## P-Value [Acc > NIR] : 1.223e-06
##
## Kappa : 0.4645
##
## Mcnemar's Test P-Value : NA
##
## Statistics by Class:
##
## Class: East.Asia...Pacific..excluding.high.income.
## Sensitivity 0.2857
## Specificity 0.9293
## Pos Pred Value 0.4615
## Neg Pred Value 0.8598
## Precision 0.4615
## Recall 0.2857
## F1 0.3529
## Prevalence 0.1750
## Detection Rate 0.0500
## Detection Prevalence 0.1083
## Balanced Accuracy 0.6075
## Class: Europe...Central.Asia..excluding.high.income.
## Sensitivity 0.3333
## Specificity 0.9459
## Pos Pred Value 0.3333
## Neg Pred Value 0.9459
## Precision 0.3333
## Recall 0.3333
## F1 0.3333
## Prevalence 0.0750
## Detection Rate 0.0250
## Detection Prevalence 0.0750
## Balanced Accuracy 0.6396
## Class: High.income
## Sensitivity 0.0000
## Specificity 0.9487
## Pos Pred Value 0.0000
## Neg Pred Value 0.9737
## Precision 0.0000
## Recall 0.0000
## F1 NaN
## Prevalence 0.0250
## Detection Rate 0.0000
## Detection Prevalence 0.0500
## Balanced Accuracy 0.4744
## Class: Latin.America...Caribbean..excluding.high.income.
## Sensitivity 0.7556
## Specificity 0.7600
## Pos Pred Value 0.6538
## Neg Pred Value 0.8382
## Precision 0.6538
## Recall 0.7556
## F1 0.7010
## Prevalence 0.3750
## Detection Rate 0.2833
## Detection Prevalence 0.4333
## Balanced Accuracy 0.7578
## Class: Middle.East...North.Africa..excluding.high.income.
## Sensitivity 0.6190
## Specificity 0.9192
## Pos Pred Value 0.6190
## Neg Pred Value 0.9192
## Precision 0.6190
## Recall 0.6190
## F1 0.6190
## Prevalence 0.1750
## Detection Rate 0.1083
## Detection Prevalence 0.1750
## Balanced Accuracy 0.7691
## Class: South.Asia..excluding.high.income.
## Sensitivity 0.8667
## Specificity 0.9619
## Pos Pred Value 0.7647
## Neg Pred Value 0.9806
## Precision 0.7647
## Recall 0.8667
## F1 0.8125
## Prevalence 0.1250
## Detection Rate 0.1083
## Detection Prevalence 0.1417
## Balanced Accuracy 0.9143
## Class: Sub.Saharan.Africa..excluding.high.income.
## Sensitivity 0.33333
## Specificity 1.00000
## Pos Pred Value 1.00000
## Neg Pred Value 0.96610
## Precision 1.00000
## Recall 0.33333
## F1 0.50000
## Prevalence 0.05000
## Detection Rate 0.01667
## Detection Prevalence 0.01667
## Balanced Accuracy 0.66667