Self-Help Groups and Income Generation in the Informal Settlements of Nairobi



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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