Table 4: Ability to borrow, individual determinants
Dependent variable = 1 if borrow from whole group or group member
Probit OLS 2SLS(c)
_______________________________________________________[1] [2] [3] [4]
|
Female |
-.097 -.097 -.063 |
-.043 |
|
(.105) (.105) (.085) |
(.087) | |
|
Married |
.002 -.003 .004 |
-.027 |
|
(.069) (.069) (.068) |
(.069) | |
|
Age |
-.021 -.021 -.015 |
-.024 |
|
(.018) (.018) (.016) |
(.017) | |
|
Age squared(a) |
.016 .016 .010 |
.018 |
|
(.020) (.020) (.020) |
(.021) | |
|
Educ1-8 |
-.007 -.013 -.016 |
-.035 |
|
(.124) (.124) (.128) |
(.137) | |
|
Educ Form1-4 |
-.135 -.142 -.114 |
-.025 |
|
(.141) (.141) (.140) |
(.155) | |
|
Educ Advanced |
-.151 -.171 -.138 |
-.045 |
|
(.253) (.249) (.197) |
(.211) | |
|
# years in group |
-.003 -.008 .001 |
-.019 |
|
(.045) (.045) (.037) |
(.045) | |
|
# years in group, squared(a) |
.003 .033 -.014 |
-.001 |
|
(.265) (.272) (.246) |
(.003) | |
|
# years resident |
-.003 -.002 -.002 |
-.001 |
|
(.005) (.004) (.004) |
(.004) | |
|
Kikuyu |
-.206 -.197 -.142 |
-.240* |
|
(.135) (.138) (.100) |
(.132) | |
|
Luo |
-.346** -.342** -.227* |
-.329** |
|
(.165) (.167) (.124) |
(.158) | |
|
Kamba |
-.241 -.230 -.170 |
-.293* |
|
(.161) (.162) (.130) |
(.168) | |
|
Chair’s language |
.201* .196* .215* |
.251** |
|
(.085) (.086) (.126) |
(.133) | |
|
Own house |
-.061 -.049 |
.152 |
|
(.102) (.084) |
(.180) | |
|
Wealth(b) |
.253 .059 |
-1.81 |
|
(.424) (.073) |
(1.59) | |
|
Constant |
1.251** |
1.457** |
|
____________________(.312) |
(.356) | |
|
No. obs. |
278 278 278 |
275 |
|
Adj. R2 |
.21 .21 .14 |
.14 |
|
Predicted P |
.69 .69 .64 |
.64 |
|
Observed P |
.64 .64 .64 |
.64 |
Notes: Cols. 1-2 report marginal probit coe‰ients calculated at the means; col. 3 reports
26
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