Determinants of adoption of female headed household in microfinance program: a case study on Oromia Credit and Saving Share Company (OCSSCO) in Guto Gida district, Ethiopia

Journal of Innovation and Entrepreneurship

A Systems View Across Time and Space

Table 4 Household characteristics by adoption status (continuous variables)

Variables	Total sample	Treated	Control group	Mean diff.	t-value(P > t)
Variables	Mean (Std. Dev.)	Mean (Std. Dev.)	Mean (Std. Dev.)	Mean diff.	t-value(P > t)
AGE	40.36686 (6.459238)	38.72973 (5.630877)	41.64211 (6.7963)	2.912376	2.9752 (0.0034) ***
FSIZE	4.088757 (1.639666)	4.391892 (1.63705)	3.852632 (1.610923)	− 0.5392603	− 2.1438 (0.0335) **
DHMFI	65.38462 (23.50279)	59.45946 (21.62203)	70.00 (23.97916)	10.54054	2.9585 (0.0035) ***
WEALTH	14,885.21 (5713.358)	13,609.46 (3315.227)	15,878.95 (6893.844)	2269.488	2.6057 (0.0100) **
CULSI	2.60355 (0.9175468	2.959459 (0.7927616)	2.326316 (0.9160752)	− 0.6331437	− 4.7245 (0.0000) ***
LSTOK	4.701533 (1.366561)	5.211892 (1.296073)	4.303989 (1.291642)	− 0.9079024	− 4.5267 (0.0000) ***

Source: Own survey data (2019/20), ***, and ** implies significant at 1%, and 5% probability level, respectively