Table 4 Facility characteristics (N = 850).

From: The potential of digital loans to reduce gender disparities in financial inclusion among female health entrepreneurs in Kenya

 

Female-owned

(19.8%, n = 168)

Male-owned

(74.1%, n = 630)

Partnership 3

(6.1%, n = 52)

Total

(100%, N = 850)

Facility type1

% (n)

% (n)

% (n)

% (n)

Level 1

0.6 (1)

1.3 (8)

0 (0)

1.1 (9)

Level 2

57.7 (97)

53.8 (339)

34.6 (18)

53.4 (454)

Level 3

36.3 (61)

36.8 (232)

46.2 (24)

37.3 (317)

Level 4

4.2 (7)

7.3 (46)

19.2 (10)

7.4 (63)

Other

1.2 (2)

0.8 (5)

0 (0)

0.8 (7)

Location

% (n)

% (n)

 

% (n)

Urban

84.5 (142)

80.6 (508)

90.4 (47)

82.0 (697)

Rural

15.5 (26)

19.4 (122)

9.6 (5)

18.0 (153)

Loan type *,2

Digital

61.3 (103)

71.3 (449)

86.5 (45)

70.2 (597)

Term

38.7 (65)

28.7 (181)

13.5 (7)

29.8 (253)

  1. 1 level 1 (community health posts), level 2 (dental clinics, diagnostic centers, dispensaries, eye clinics, pharmacies), level 3 (health center, maternity home, outpatient center), level 4 (primary hospital), “other” (equipment suppliers and support service companies).
  2. * p-value ≤ 0.05 2 Some facilities have both loan types3 The majority of the partnerships are a duo-ownership of a male and female. One facility has ten owners, two facilities have five owners, three facilities have four owners, and four facilities have three owners.
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