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

Table 6: Borrowing from group vs. members

Source = whole group	[1]	[2]
Group profits per capita(a)	-.160**	-.168**
	(.076)	(.068)
Avg wealth of group members⁽^a⁾	.079	.136
	(.142)	(.180)
Ethnic fragmentation	.108	1.35
	(1.79)	(1.75)
Educ. fragmentation	2.78	2.74
	(3.00)	(2.94)
Residence fragmentation	-1.24	-1.21
	(1.22)	(1.15)
Gini wealth	3.45	-1.56
	(6.04)	(8.89)
Gini income from group	-4.01** (1.92)
Gini income from grpj grp profits>0		-.811 (2.30)
Gini income from grpj grp profits60		-5.94** (2.61)
Source = indiv. group member
Group profits per capita⁽^a⁾	.219**	.154
	(.091)	(.095)
Avg wealth of group members⁽^a⁾	.108	.207
	(.151)	(.176)
Ethnic fragmentation	-4.09	-2.74
	(3.80)	(3.70)
Educ. fragmentation	-4.07	-2.59
	(5.46)	(5.18)
Residence fragmentation	-1.87	-.390
	(1.95)	(2.02)
Gini wealth	-3.56	-10.30
	(6.28)	(8.27)
Gini income from group	-3.14 (2.93)
Gini income from grpj grp profits>0		1.42 (3.97)
Gini income from grpj grp profits60		-11.01 (7.01)
No. obs.	247	247
Pseudo R²	.36	.37