Table 5 Full information maximum likelihood estimates of endogenous switching regression model.
From: Impact of financial inclusion on household welfare in Ethiopia
Selection | Adopters | Nonadopters | |
|---|---|---|---|
mobile_own | 0.33*** | 0.08** | 0.13*** |
(0.04) | (0.02) | (0.02) | |
educ | 0.12*** | 0.06*** | 0.05*** |
(0.02) | (0.01) | (0.01) | |
iddir | 0.19*** | − 0.01 | 0.01 |
(0.04) | (0.02) | (0.02) | |
Marital | − 0.03 | 0.05 | 0.09** |
(0.06) | (0.03) | (0.03) | |
Religion | − 0.21*** | 0.12*** | 0.31*** |
(0.04) | (0.02) | (0.02) | |
Age | 0.02* | 0.004 | − 0.01** |
(0.01) | (0.004) | (0.004) | |
ag2 | − 0.0001 | 0.0001 | 0.0001** |
(0.0001) | (0.0001) | (0.00001) | |
Gender | 0.04 | − 0.003 | − 0.04 |
(0.05) | (0.03) | (0.03) | |
hh_size | − 0.04 | − 0.28*** | − 0.22*** |
(0.03) | (0.02) | (0.02) | |
hh_size2 | 0.003 | 0.01*** | 0.01*** |
(0.003) | (0.002) | (0.0014) | |
know_account | 1.35*** | − 0.10* | − 0.20*** |
(0.05) | (0.05) | (0.04) | |
credit_info | 0.32*** | 0.10*** | 0.07 |
(0.06) | (0.02) | (0.05) | |
Urban | − 0.02 | 0.30*** | 0.14*** |
(0.06) | (0.03) | (0.03) | |
wage_self | 0.33*** | − 0.002 | 0.002 |
(0.04) | (0.02) | (0.03) | |
educ_com | 0.23*** | ||
(0.03) | |||
bank_com | 0.20*** | ||
(0.06) | |||
lndis | − 0.09*** | ||
(0.02) | |||
Const | − 1.86*** | 10.39*** | 9.98*** |
(0.18) | (0.13) | − 0.1 | |
SigmaX | − 0.56*** | − 0.41*** | |
(0.02) | − 0.02 | ||
RhoX | 0.44*** | − 0.74*** | |
(0.08) | − 0.07 | ||
Log likelihood | − 8306.99 | ||
AIC | 16717.99 |