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Table 3 Difference in proportions test: unbanked versus banked communities

From: Financial development and the end-use of migrants' remittances

Remittance use Sample proportions
  Unbanked Banked Difference Z
(N = 356) (N = 464)
Food and maintenance 0.9213 0.9461 -0.0247 -1.43
Construction or repair of home 0.3174 0.2284 0.0890*** 2.85
Purchase of home or lot 0.0365 0.0237 .0128 1.08
Vehicle 0.0169 0.0172 -0.0003 -0.04
Tools 0.0169 0.0065 0.0104* 1.42
Livestock 0.0169 0.0065 0.0104* 1.42
Agricultural inputs 0.0149 0 0.0149*** 2.56
Consumer goods 0.1461 0.0690 0.0771*** 3.61
Start or expand a business 0.0281 0.0216 0.0065 0.60
Education 0.3820 0.3405 0.0415 1.23
Health care 0.2612 0.2328 0.0285 0.94
Pay debt 0.1713 0.1121 0.0592*** 2.44
Special event 0.0197 0.0108 0.0089 1.05
Entertainment 0.0084 0.0108 -0.0024 -0.34
Savings 0.1236 0.0496 0.0740*** 3.84
Other 0.0365 0.0302 0.0063 0.50
Assets (includes construction or repair of home, purchase of home or lot, and vehicle) 0.3455 0.2651 0.0804*** 2.49
Production (includes tools, livestock, agricultural inputs, and start or expand business) 0.0702 0.0323 0.0379*** 2.50
Consumption (includes consumer goods, special event, and entertainment) 0.2079 0.1142 0.0936*** 3.67
  1. Ha: Difference > 0 for all uses except Food and Maintenance; Food and Maintenance Ha: Difference ≠ 0.
  2. *p < 0.10, **p < 0.05, ***p < 0.01.