Table 5 Determinants of ownership of financial products.
From: Determinants of financial inclusion gaps in Pakistan and implications for achieving SDGs
Full Sample | Females | Males | ||||
|---|---|---|---|---|---|---|
Beta | Marginal effects | Beta | Marginal effects | Beta | Marginal effects | |
fin_inc | ||||||
gender (d) | − 0.725*** | − 0.114*** | […] | […] | […] | […] |
(0.208) | (0.0324) | |||||
young (d) | -0.736*** | − 0.103*** | 0.116 | 0.00665 | − 1.355*** | − 0.105*** |
(0.282) | (0.0351) | (0.426) | (0.0251) | (0.345) | (0.0217) | |
middle (d) | − 0.247 | − 0.0393 | − 0.108 | − 0.00611 | − 0.399 | − 0.0402 |
(0.235) | (0.0379) | (0.393) | (0.0224) | (0.266) | (0.0277) | |
edu_prim (d) | − 1.883*** | − 0.322*** | − 0.593 | − 0.0351 | − 2.119*** | − 0.250*** |
(0.285) | (0.0513) | (0.467) | (0.0292) | (0.314) | (0.0445) | |
edu_sec (d) | − 1.100*** | − 0.155*** | − 0.331 | − 0.0177 | − 1.072*** | − 0.0927*** |
(0.277) | (0.0357) | (0.463) | (0.0236) | (0.297) | (0.0243) | |
inc_q1 (d) | 0.0372 | 0.00589 | 0.379 | 0.0239 | − 0.0758 | − 0.00725 |
(0.263) | (0.0419) | (0.407) | (0.0286) | (0.313) | (0.0294) | |
inc_q2 (d) | − 0.424 | − 0.0607* | − 0.0381 | − 0.00211 | − 0.597* | − 0.0497** |
(0.284) | (0.0368) | (0.453) | (0.0248) | (0.338) | (0.0238) | |
inc_q3 (d) | − 0.291 | − 0.0433 | 0.0173 | 0.000975 | − 0.393 | − 0.0351 |
(0.248) | (0.0349) | (0.410) | (0.0232) | (0.287) | (0.0234) | |
inc_q4 (d) | − 0.0403 | − 0.00628 | 0.294 | 0.0178 | − 0.225 | − 0.0209 |
(0.230) | (0.0356) | (0.366) | (0.0238) | (0.265) | (0.0234) | |
emp (d) | 0.718*** | 0.116*** | − 0.593** | − 0.0325** | 1.832*** | 0.204*** |
(0.201) | (0.0331) | (0.282) | (0.0148) | (0.212) | (0.0239) | |
location (d) | 0.612*** | 0.0917*** | 0.495* | 0.0264* | 0.595*** | 0.0549*** |
(0.180) | (0.0254) | (0.294) | (0.0147) | (0.211) | (0.0184) | |
Const | 0.176 (0.381) | […] | 2.437*** (0.608) | […] | − 0.859** (0.409) | […] |
N | 1002 | |||||
LR chi2 | 164.64 | […] | 12.32 | […] | 201.36 | […] |
Prob > chi2 | 0.0000 | […] | 0.2644 | […] | 0.0000 | […] |
Pseudo R2 | 0.1502 | […] | 0.0256 | […] | 0.2191 | […] |
