Table 2 Female unemployment, registered mobile money agents and procedure to start a business by a female

Constant

5.200*

1.757

− 5.123

1.899

2.933

6.832**

5.708**

0.246

− 3.482

3.787

0.225

28.512

(0.064)

(0.471)

(0.261)

(0.726)

(0.535)

(0.044)

(0.042)

(0.924)

(0.388)

(0.823)

(0.993)

(0.529)

FUmpl

− 0.072

− 0.060

− 0.007

− 0.143

− 0.043

− 0.195***

− 0.088

− 0.075*

− 0.025

0.859***

0.765**

0.004

(0.322)

(0.133)

(0.918)

(0.106)

(0.571)

(0.001)

(0.195)

(0.052)

(0.675)

(0.001)

(0.042)

(0.994)

Oae1

− 0.0003

0.001*

0.001

− 0.0005

0.0003

0.00004

–

–

–

–

–

–

(0.736)

(0.098)

(0.419)

(0.768)

(0.808)

(0.967)

Oae2

–

–

–

–

–

–

0.00005

0.0008**

0.0003

− 0.001

− 0.00005

− 0.003

(0.873)

(0.032)

(0.588)

(0.601)

(0.990)

(0.628)

FUmpl × Oae1

− 0.0001

− 0.0002**

− 0.0001

− 0.00007

− 0.0002

− 0.0002

–

–

–

–

–

–

(0.211)

(0.020)

(0.488)

(0.790)

(0.366)

(0.142)

FUmpl × Oae2

–

–

–

–

–

–

− 0.0002

− 0.0005**

− 0.00009

0.0005

− 0.001

− 0.0001

(0.161)

(0.012)

(0.782)

(0.713)

(0.542)

(0.976)

SES

− 0.005

0.047***

0.057*

0.007

− 0.001

− 0.023

− 0.005

0.059***

0.049*

− 0.028

0.179

0.185

(0.753)

(0.003)

(0.055)

(0.833)

(0.960)

(0.275)

(0.744)

(0.001)

(0.059)

(0.786)

(0.275)

(0.513)

Trade

0.009

0.012

0.057***

0.032*

0.005

0.010

0.007

0.018**

0.050***

− 0.103*

− 0.086

− 0.132

(0.349)

(0.147)

(0.000)

(0.083)

(0.731)

(0.376)

(0.450)

(0.035)

(0.000)

(0.066)

(0.315)

(0.374)

FSEmp

− 0.002

− 0.001

0.055*

0.015

0.010

− 0.009

− 0.007

0.0110

0.047

− 0.033

− 0.050

− 0.296

(0.877)

(0.939)

(0.091)

(0.693)

(0.758)

(0.682)

(0.716)

(0.557)

(0.111)

(0.787)

(0.791)

(0.367)

CostBusiness

− 0.001

0.018***

0.0005

− 0.008

0.0002

− 0.015*

− 0.001

0.016**

− 0.001

0.069*

0.212***

0.326***

(0.863)

(0.005)

(0.964)

(0.562)

(0.985)

(0.072)

(0.852)

(0.014)

(0.867)

(0.056)

(0.000)

(0.001)

TimeBusiness

0.099***

0.051***

0.065***

0.145***

0.183***

0.304***

0.100***

0.051***

0.067***

2.427***

1.836***

2.126*

(0.000)

(0.000)

(0.009)

(0.000)

(0.000)

(0.000)

(0.000)

(0.000)

(0.002)

(0.000)

(0.008)

(0.074)

Bankaccount

0.901

− 1.436***

− 1.412

0.537

1.874**

0.862

0.894

− 1.472***

− 1.346*

− 4.230

− 4.503

− 5.966

(0.131)

(0.004)

(0.121)

(0.619)

(0.049)

(0.200)

(0.134)

(0.004)

(0.091)

(0.193)

(0.370)

(0.491)

Thresholds

na

na

na

na

na

na

na

nsa

na

na

na

na

R²/Pseudo R²

0.515

0.315

0.292

0.250

0.341

0.410

0.370

0.314

0.295

0.418

0.465

0.532

Fisher

3.58***

3.96***

Observations

104

104

104

104

104

104

104

104

104

104

104

104