Table 5 Existence of banking sector

Banked

-0.276*

-0.421**

-0.230

(0.145)

(0.203)

(0.283)

Log (avg. monthly remittance)

0.195***

0.268***

0.075

(0.067)

(0.077)

(0.138)

Urban area

-0.137

-0.015

0.297

(0.145)

(0.206)

(0.332)

Children in household

-0.650***

-0.191

0.761***

(0.242)

(0.273)

(0.250)

Education 6 to 8 years

0.128

0.252

-0.333*

(0.161)

(0.204)

(0.175)

Education 9 to 11 years

-0.017

0.482**

-0.242*

(0.164)

(0.215)

(0.136)

Education > 11 years

0.294

0.514*

-0.399

(0.315)

(0.304)

(0.403)

Age of household head

0.003

0.013

-0.011

(0.008)

(0.012)

(0.010)

Household size

0.001

0.088**

-0.047

(0.033)

(0.038)

(0.032)

# of employed HH members

-0.087

-0.090

0.208***

(0.075)

(0.081)

(0.074)

Constant

-0.970*

-4.067***

-1.498*

(0.543)

(0.776)

(0.883)

N

820

820

820

Pseudo r²

0.055

0.093

0.052

p > chi²

0.000

0.000

0.001