A Systems View Across Time and Space

# Table 8 Variables in the equation

Variables B S. E. Wald df Sig. Exp (B) 95% CI for EXP (B)
Lower Upper
IOS 1.338 .120 124.665 1 .000* 3.813 3.015 4.823
CPS .351 .095 13.767 1 .000* 1.421 1.180 1.710
AIR .842 .098 73.207 1 .000* 2.320 1.913 2.813
DEE .062 .096 .424 1 .515 1.064 .882 1.284
SCSE .416 .093 19.956 1 .000* 1.516 1.263 1.819
GS .588 .094 39.172 1 .000* 1.800 1.497 2.163
SP .030 .087 .119 1 .730 1.031 .868 1.223
PO    1.782 3 .619
Agriculture − .258 .332 .603 1 .438 .773 .403 1.482
Gove’tal employee − .013 .365 .001 1 .971 .987 .482 2.020
Private business owned − .007 .365 .000 1 .984 .993 .486 2.030
Other (ref)
EE Yes 1.703 .172 97.64 1 .000* 5.493 3.918 7.700
No (ref.)
NE Yes .408 .049 68.44 1 .000* 1.503 1.365 1.655
No (ref.)
NERK    5.136 3 .162
Not at All − .340 .268 1.610 1 .204 .712 .421 1.203
Less than 2 .175 .298 .345 1 .557 1.191 .664 2.136
2 up to 4 − .291 .273 1.141 1 .285 .747 .438 1.275
Above 4 (ref.)
BOF Yes .226 .056 16.479 1 .000* 1.254 1.124 1.399
No (ref.)
PBE Yes .372 .060 37.919 1 .000* 1.451 1.289 1.634
No (ref.)
BOC Yes .043 .200 .046 1 .831 1.044 .705 1.545
No (ref.)
AF Yes .0.747 .055 186.432 1 .000* 2.110 1.896 2.349
No (ref.)
MFSB    10.992 3 .612
Family 1.200 .414 8.406 1 .004 3.322 1.475 7.478
Colleague − .258 .923 .078 1 .780 .773 .127 4.718
Micro-finance .805 .309 6.793 1 .009 2.237 1.221 4.100
Others (ref.)
IG Yes .461 .237 3.778 1 .052 1.586 .996 2.526
No (ref.)
CFBI Yes .336 .199 2.847 1 .092 1.399 .947 2.066
No (ref.)
RTC Yes .212 .237 .797 1 .372 1.236 .776 1.967
No (ref.)
Constant −1.191 .563 4.474 1 .034 .304
1. ref. reference category
2. *Significant at 5% level of significance