Demographic characteristics of clients and their children, by loan cycles completed
| Overall | 0 loan cycles | 1 loan cycle | 2 loan cycles | 3+ loan cycles | p Value | |
|---|---|---|---|---|---|---|
| Characteristics of adult clients | ||||||
| N (%) | 511 (100) | 112 (22) | 108 (21) | 120 (24) | 171 (33) | – |
| Female gender, N (%) | 436 (85) | 101 (90) | 93 (86) | 104 (87) | 138 (81) | 0.14 |
| Age in years (mean±SD) | 32±0.3 | 32±0.6 | 31±0.5 | 33±0.6 | 33.2±0.5 | <0.01 |
| Education, N (%) | ||||||
| Primary or less | 82 (17) | 12 (11) | 17 (16) | 27 (23) | 26 (15) | 0.13 |
| Incomplete secondary | 149 (29) | 29 (35) | 29 (27) | 36 (30) | 45 (27) | 0.28 |
| Complete secondary | 150 (29) | 36 (32) | 29 (27) | 29 (24) | 55 (32) | 0.19 |
| Postsecondary | 130 (25) | 25 (22) | 33 (31) | 28 (23) | 44 (26) | 0.35 |
| Married, N (%) | 462 (90) | 101 (90) | 97 (90) | 110 (92) | 154 (90) | 0.82 |
| Socioeconomic characteristics | ||||||
| Household assets, PCa (mean±SD) | −0.2±0.07 | −0.3±0.1 | −0.2±0.1 | −0.4±0.1 | 0.1±0.1 | 0.01 |
| Client information | ||||||
| Length of participation in loan cycles (median (IQR)) | 2 (1–3) | – | – | – | – | – |
| Length of participation in loan cycles (mean±SD) | 2.2±2 | – | – | – | – | – |
| Characteristics of client children | ||||||
| N (%) | 596 (100) | 135 (23) | 125 (21) | 143 (24) | 193 (32) | |
| First-born child | 511 (86) | 112 (83) | 108 (86) | 120 (84) | 171 (89) | – |
| Female gender | 289 (48) | 65 (49) | 64 (52) | 72 (53) | 88 (47) | 0.74 |
| Age in years | ||||||
| 0 to <2 | 202 (34) | 55 (41) | 36 (29) | 48 (33) | 63 (33) | 0.22 |
| 2 to 5 | 394 (66) | 80 (59) | 89 (71) | 95 (66) | 130 (67) | 0.22 |
p Values correspond to χ2 tests for categorical/binary variables, and analysis of variance for continuous variables.
PCa, principal components.