Table 6 Determinants of usage of financial products.
From: Determinants of financial inclusion gaps in Pakistan and implications for achieving SDGs
Variables | Full Sample | Females | Males | |||
|---|---|---|---|---|---|---|
Beta | Marginal effects | Beta | Marginal effects | Beta | Marginal effects | |
usage_fin | ||||||
gender (d) | 0.280* | 0.0677* | ||||
(0.169) | (0.0407) | |||||
young (d) | − 0.259 | − 0.0632 | 0.810*** | 0.165*** | − 1.200*** | − 0.171*** |
(0.222) | (0.0546) | (0.267) | (0.0578) | (0.269) | (0.0317) | |
middle (d) | − 0.152 | − 0.0366 | 0.728*** | 0.130*** | − 0.881*** | − 0.156*** |
(0.196) | (0.0472) | (0.246) | (0.0421) | (0.228) | (0.0416) | |
edu_prim (d) | − 1.892*** | − 0.417*** | − 0.211 | − 0.0396 | − 1.788*** | − 0.324*** |
(0.348) | (0.0645) | (0.315) | (0.0597) | (0.291) | (0.0541) | |
edu_sec (d) | − 1.328*** | − 0.319*** | − 0.361 | − 0.0652 | − 0.804*** | − 0.126*** |
(0.350) | (0.0793) | (0.319) | (0.0556) | (0.284) | (0.0413) | |
inc_q1 (d) | − 0.340 | − 0.0836 | − 0.478* | − 0.0815** | 0.0871 | 0.0150 |
(0.215) | (0.0534) | (0.256) | (0.0398) | (0.258) | (0.0452) | |
inc_q2 (d) | − 0.538** | − 0.133** | − 0.0856 | − 0.0157 | − 0.862*** | − 0.122*** |
(0.217) | (0.0538) | (0.251) | (0.0454) | (0.296) | (0.0338) | |
inc_q3 (d) | − 0.0308 | − 0.00746 | − 0.0139 | − 0.00258 | − 0.00269 | − 0.000455 |
(0.202) | (0.0490) | (0.231) | (0.0428) | (0.237) | (0.0401) | |
inc_q4 (d) | − 0.0707 | − 0.0172 | 0.127 | 0.0240 | − 0.197 | − 0.0323 |
(0.198) | (0.0482) | (0.223) | (0.0430) | (0.231) | (0.0365) | |
emp (d) | − 0.332** | − 0.0804** | − 2.416*** | − 0.409*** | 1.745*** | 0.310*** |
(0.168) | (0.0407) | (0.198) | (0.0253) | (0.170) | (0.0287) | |
location (d) | 0.168 | 0.0408 | − 0.208 | − 0.0393 | 0.528*** | 0.0859*** |
(0.138) | (0.0336) | (0.161) | (0.0308) | (0.175) | (0.0271) | |
Const | 2.123*** (0.410) | […] | − 0.257 (0.389) | […] | − 0.0789 (0.359) | […] |
N | 1002 | […] | 1002 | […] | 1002 | […] |
LR Chi2 | 79.97 | […] | 230.75 | […] | 222.45 | […] |
Prob > chi2 | 0.0000 | […] | 0.0000 | […] | 0.0000 | […] |
Pseudo R2 | 0.0586 | […] | 0.1861 | […] | 0.1905 | […] |
