Household Determinants of Multi-Saving Behaviour in East Africa: Evidence from Uganda, Kenya, and Tanzania

Household Determinants of Multi-Saving Behaviour in East Africa: Evidence from Uganda, Kenya, and Tanzania | Research Square window.SnipcartSettings = { analytics: { enabled: false } }; (function() { var accessVector = localStorage.getItem('access_vector') || ''; window.dataLayer = window.dataLayer || []; if (accessVector) { window.dataLayer.push({ user: { profile: { profileInfo: { snid: accessVector } } } }); } })(); (function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src='https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);})(window,document,'script','dataLayer','GTM-K279D39R'); Browse Preprints In Review Journals COVID-19 Preprints AJE Video Bytes Research Tools Research Promotion AJE Professional Editing AJE Rubriq About Preprint Platform In Review Editorial Policies Our Team Advisory Board Help Center Sign In Submit a Preprint Cite Share Download PDF Research Article Household Determinants of Multi-Saving Behaviour in East Africa: Evidence from Uganda, Kenya, and Tanzania Kasumba Stephen Robert, Gertrude Ssebunya Muwanga This is a preprint; it has not been peer reviewed by a journal. https://doi.org/ 10.21203/rs.3.rs-8179754/v1 This work is licensed under a CC BY 4.0 License Status: Posted Version 1 posted You are reading this latest preprint version Abstract Household saving is central to financial resilience and long-term development, yet most empirical work treats saving as a binary outcome whether a household saves or not without recognising the diversity of saving channels available in African financial ecosystems. This paper models saving as a multi-tiered behaviour, capturing the number of distinct mechanisms a household uses to save. Using nationally representative data from Uganda, Kenya, and Tanzania, the study applies multinomial logistic regression to estimate the determinants of saving through one, two, three, and four or more mechanisms, relative to non-saving. The analysis incorporates demographic, socioeconomic, financial inclusion, infrastructural, and housing variables, including tenure, floor and roof materials, water and energy access, borrowing history, mobile money and bank account usage, household decision-making, and indicators of economic stability. Results show that multi-saving behaviour is strongly associated with housing quality and infrastructure, financial inclusion, borrowing status, urban residence, and decision-making autonomy. In Uganda, saving diversification is closely linked to housing quality and basic infrastructure, with informal and semi-formal channels (SACCOs, VSLAs, ROSCAs, and asset-based saving) remaining central. In Kenya, digital finance especially mobile money combined with economic stability and joint financial decision-making, drives progressive saving diversification. In Tanzania, urbanisation, modern energy access, and formal employment structures are key, while bank account ownership remains an indispensable gateway to multi-channel saving. Across the three countries, the findings highlight consistent structural drivers of saving diversification and reveal non-linear patterns in gender and borrowing effects as households transition from credit-supported to asset-based saving at higher tiers. Policy implications include the need to deepen financial inclusion beyond account opening, link formal and informal saving systems, invest in infrastructure and modern energy, and promote gender-responsive and autonomy-enhancing financial interventions. Behavioral Economics Financial inclusion Digital payments Multi-Saving Behaviour Kenya national financial inclusion survey Tanzania National Panel Survey Uganda National Household Survey East Africa Uganda Kenya Tanzania 1. Introduction Household saving is a cornerstone of financial security, investment, and macroeconomic stability. At the micro level, savings enable households to smooth consumption, manage shocks, and invest in education, health, and productive assets. At the macro level, higher aggregate savings can support domestic investment, reduce dependence on external financing, and promote sustainable growth. In Sub-Saharan Africa, and East Africa in particular, saving behaviour is shaped by an evolving financial landscape in which formal, semi-formal, and informal mechanisms coexist—banks, microfinance institutions, Savings and Credit Cooperative Organizations (SACCOs), Village Savings and Loan Associations (VSLAs), Rotating Savings and Credit Associations (ROSCAs), mobile money platforms, and asset-based saving such as livestock, land, and durable goods. Despite this diversity, empirical research on saving in low- and middle-income countries frequently relies on a binary conceptualisation of saving that fails to capture the extent of diversification across saving mechanisms. Yet many households in Uganda, Kenya, and Tanzania do not merely save or not save; they operate portfolios of saving devices, often simultaneously, responding to differences in liquidity, risk, trust, and accessibility. Understanding the determinants of multi-saving behaviour is therefore crucial for designing policies that support inclusive and robust savings systems. This paper contributes to the literature by: Conceptualising household saving as a multi-outcome phenomenon, defined by the number of saving channels used. Estimating the determinants of saving diversification in Uganda, Kenya, and Tanzania using multinomial logistic regression. Comparing the trajectories of key determinants (e.g. housing quality, financial inclusion, borrowing, decision-making, and gender) as households move from zero saving to increasingly diversified saving portfolios. The study leverages rich, nationally representative datasets: the Uganda National Household Survey (UNHS) 2019/20, a national financial inclusion survey for Kenya, and the Tanzania National Panel Survey (TNPS) 2020/21. Together, these datasets provide detailed information on demographic characteristics, socio-economic status, financial access, infrastructure, and saving practices, enabling a nuanced analysis of multi-saving behaviour within a unified framework. The remainder of the paper is structured as follows. Section 2 presents the theoretical and empirical literature. Section 3 describes the data and methodology, including the multinomial logistic regression specification. Section 4 presents country-specific results for Uganda, Kenya, and Tanzania. Section 5 discusses cross-country patterns and synthesises the findings. Section 6 outlines policy implications, and Section 7 concludes with limitations and suggestions for future research. 2. Literature Review 2.1 Theoretical Perspectives on Saving Behaviour The analysis of saving behaviour is grounded in several theoretical frameworks: Life-Cycle Hypothesis (LCH) The LCH (Modigliani & Brumberg, 1954 ) posits that individuals plan consumption and saving over their lifetime to smooth utility, saving during working years and dissaving in retirement. Under this framework, saving behaviour is influenced by age, income expectations, and access to capital markets. Permanent Income Hypothesis (PIH) Friedman’s ( 1957 ) PIH emphasises that consumption depends on permanent rather than current income. Transitory income shocks are saved or used to retire debt, implying that households with more volatile income tend to maintain precautionary savings. Buffer-Stock and Precautionary Saving Models Deaton ( 1991 ) and related buffer-stock models highlight saving as self-insurance against income risk in environments with incomplete or imperfect credit markets. Households facing uncertainty and credit constraints maintain buffer stocks of savings. Portfolio and Asset Choice Frameworks Households allocate wealth across different financial and real assets based on preferences, risk-return trade-offs, liquidity needs, and institutional constraints. In low-income contexts, portfolio choice often involves mixing formal accounts with informal mechanisms such as ROSCAs and livestock. Behavioural Finance and Household Decision-Making Behavioural theories emphasise bounded rationality, present bias, mental accounting, and intra-household bargaining. These factors can lead to under-saving, sub-optimal portfolio composition, and reliance on commitment devices or group-based saving schemes. These frameworks motivate the decision to view saving not as a simple yes/no choice but as a portfolio decision across multiple channels, influenced by income, risk, institutional access, behavioural constraints, and intra-household power structures. 2.2 Empirical Evidence on Savings in Developing Countries Empirical work in developing countries has identified a wide range of determinants of saving: Income and wealth: Higher income and asset ownership are positively associated with saving levels and participation in formal saving instruments. Education and financial literacy: Education increases financial knowledge, trust in institutions, and awareness of saving products. Financial inclusion: Access to bank accounts and mobile money platforms has been shown to increase the probability of saving and the frequency of saving transactions, notably in Kenya. Gender and decision-making: Women may face limitations in asset ownership and access to formal financial services, but they often exhibit stronger commitment to precautionary saving when empowered. Infrastructure and housing: Access to clean water, electricity, and modern housing correlates with higher wealth and saving capacity. Borrowing behaviour: Credit access can complement saving (by increasing liquidity and formal financial engagement) or substitute for saving (if households rely on loans rather than building precautionary balances). However, most studies treat saving as a binary dependent variable whether a household or individual saves. Fewer studies consider the number and mix of saving mechanisms used simultaneously. This paper addresses that gap in the East African context. 3. Data and Methodology 3.1 Data Sources The empirical analysis draws on three national datasets: Uganda: Uganda National Household Survey (UNHS) 2019/20, a nationally representative survey that captures demographic and socioeconomic characteristics, financial access, housing quality, energy use, and detailed saving practices. Households report whether and where they save (home, banks, SACCOs, microfinance, VSLAs, ROSCAs, mobile money, assets). Kenya: A national financial inclusion survey that includes detailed modules on saving behaviour, mobile money and bank usage, loan applications and denials, decision-making on household expenditure, financial advice sources, and indicators of consumption stress (e.g., reduced meal frequency). Tanzania: Tanzania National Panel Survey (TNPS) Wave 5 (2020–21), implemented by the National Bureau of Statistics in collaboration with the World Bank’s LSMS. The TNPS contains 55,145 observations and 87 variables with rich information on household income sources, employment, education, remittances, housing, energy, banking, and saving practices. These datasets allow for country-specific modelling within a harmonised conceptual framework. 3.2 Definition of the Dependent Variable: Multi-Saving Behaviour For each country, saving mechanisms are grouped into a set of categories (formal, semi-formal, informal, and asset-based) and then aggregated into a count of how many distinct mechanisms each household uses. This count is then recoded into an ordered categorical variable: 0 = No saving 1 = Saving through one mechanism 2 = Saving through two mechanisms 3 = Saving through three mechanisms 4 = Saving through four or more mechanisms This classification captures a gradient of saving diversification, from non-participation to highly diversified saving portfolios. 3.3 Explanatory Variables While the exact variable set differs slightly across countries due to survey design, the following broad categories are included: Demographic characteristics: sex, age, education level. Household decision-making and structure (Kenya): main decision-maker for household expenditures. Economic stability and welfare: reduced meal frequency, remittances, occupation. Financial inclusion and credit: mobile money, bank accounts, loan history, borrowing status. Housing and infrastructure: occupancy tenure, floor, wall, roof materials, water source, toilet and electricity sharing. Energy and location: cooking fuel, lighting source, and residence type (urban/rural). 3.4 Econometric Strategy: Multinomial Logistic Regression Because the dependent variable comprises more than two unordered categories (0, 1, 2, 3, 4 + saving mechanisms), the study employs the multinomial logistic regression (MNL) model. 4. Empirical Results 4.1 Uganda: Determinants of Multi-Saving Channels In Uganda, the multinomial logit model distinguishes between households with zero, one, two, three, and four-plus saving mechanisms. The key results are as follows. 4.1.1 One Saving Mechanism vs. Zero Saving Table 1 Determinants of Multi-Saving Behavior (One Saving Mechanism vs. Zero Saving) for Uganda One saving mechanism/zero RRR Std. Error z P > z Lower Bound Upper Bound Occupancy tenure Rented Public 0.016964 0.011406 -6.06 0.0000 0.0045418 0.0633641 Rented Private 0.337576 0.197716 -1.85 0.0640 0.1071093 1.063935 Floor material Cement screed 762.7968 798.383 6.34 0.0000 98.0611 5933.636 Concrete 739.1062 1360.018 3.59 0.0000 20.06428 27226.39 Tiles 358.3308 598.5991 3.52 0.0000 13.56233 9467.473 Main water drinking source Piped water to the yard 134.4636 195.863 3.36 0.0010 7.739688 2336.071 Public borehole 0.025898 0.037738 -2.51 0.0120 0.0014892 0.4504044 Other (specify) 48.00907 78.81058 2.36 0.0180 1.923137 1198.495 Ever borrowed cash No 0.013772 0.005836 -10.11 0.0000 0.006002 0.0316013 Ever borrowed goods No 51.74677 35.89114 5.69 0.0000 13.28914 201.4975 Amount borrowed personal loan 1.00E + 00 6.93E-08 2.19 0.0280 1 1 Source cooking Other (specify) 0.000427 0.001422 -2.33 0.0200 6.22E-07 0.2928283 Prepaid meter No 14.65742 9.030299 4.36 0.0000 4.381676 49.03146 MM account No 41.50135 25.04692 6.17 0.0000 12.71583 135.4503 Toilet sharing No 27.06082 19.91499 4.48 0.0000 6.396055 114.4905 N/A 7.09E-17 . . . . . Electricity sharing No 0.229674 0.152946 -2.21 0.0270 0.0622691 0.8471288 _cons 0.000103 0.000376 -2.51 0.0120 7.92E-08 0.1333866 Author’s computation The one-way saving model reveals strong roles for tenure, housing quality, water access, borrowing behaviour, and utility sharing. Public renting is associated with a much lower likelihood of saving via a single mechanism, whereas better housing quality and piped water access significantly increase the likelihood of saving. Borrowing cash is complementary to saving, while never borrowing goods is associated with higher saving, suggesting financial independence. Households without prepaid meters or mobile money accounts are more likely to save through one mechanism, reflecting reliance on non-digital, informal saving structures. 4.1.2 Two Saving Mechanisms vs. Zero Saving Table 2 Determinants of Multi-Saving Behavior (Two Saving Mechanisms vs. Zero Saving) – Uganda Two saving mechanisms/zero RRR Std. Error z P > z Lower Bound Upper Bound Occupancy tenure Free Private 0.016074 0.010073 -6.59 0.0000 0.0047069 0.0548931 Subsidized Public 212.352 419.4621 2.71 0.0070 4.422476 10196.41 Rented Public 0.258145 0.148447 -2.35 0.0190 0.083633 0.7968026 Floor material Rammed earth 7.15E-19 . . . . . Cement screed 119.0112 101.4869 5.6 0.0000 22.37305 633.0686 Concrete 23.3226 40.7486 1.8 0.0710 0.7595929 716.0987 Tiles 62.09257 96.54789 2.66 0.0080 2.947842 1307.901 Main water drinking source Piped water to the yard 148.2997 212.2293 3.49 0.0000 8.974274 2450.649 Other (specify) 49.52523 80.36293 2.4 0.0160 2.058782 1191.359 Ever borrowed cash No 0.180405 0.067918 -4.55 0.0000 0.0862568 0.3773142 Ever borrowed goods No 73.93085 47.08473 6.76 0.0000 21.21859 257.5935 Amount borrowed personal loan 1 6.64E-08 1.78 0.0750 1 1 Prepaid meter No 11.21534 6.685524 4.06 0.0000 3.486636 36.07599 MM account No 7.349322 4.274505 3.43 0.0010 2.350565 22.97853 Electricity sharing No 4.92124 3.022323 2.59 0.0090 1.47679 16.39948 _cons 0.000181 0.00066 -2.37 0.0180 1.45E-07 0.2266615 Author’s computation For households using two saving mechanisms, patterns from one-way saving persist and intensify. Free private housing is associated with lower likelihood of two-way saving, while subsidised public housing strongly predicts saving diversification. Housing quality, piped water, and borrowing behaviour remain important, and households without prepaid meters and without mobile money accounts are more likely to maintain two saving mechanisms. 4.1.3 Three Saving Mechanisms vs. Zero Saving Table 3 Determinants of Multi-Saving Behavior for three saving mechanisms (Uganda) Three saving mechanisms/zero RRR Std. Error z P > z Lower Bound Upper Bound Occupancy tenure Rented Public 0.015198 0.014572 -4.37 0.0000 0.002321 0.0995198 Floor material Cement screed 727.2562 1614.005 2.97 0.0030 9.388802 56333.24 Tiles 17622.41 46089.4 3.74 0.0000 104.6756 2966780 Main water drinking source Piped water to the yard 2693.086 4147.804 5.13 0.0000 131.6003 55111.65 Public taps 1363.43 1904.869 5.17 0.0000 88.18746 21079.44 Public borehole 2154.66 3103.172 5.33 0.0000 128.0755 36248.61 Protected well/spring 823.0986 1207.323 4.58 0.0000 46.44159 14588.03 Other (specify) 3826.522 6460.387 4.89 0.0000 139.8637 104689.6 Ever borrowed cash No 0.025972 0.012098 -7.84 0.0000 0.0104237 0.0647131 Ever borrowed goods No 6.261701 5.014957 2.29 0.0220 1.303078 30.08945 Amount borrowed personal loan 1 7.21E-08 4.79 0.0000 1 1 Source cooking Charcoal 0.003222 0.009911 -1.87 0.0620 7.76E-06 1.337627 Firewood 0.000602 0.00193 -2.31 0.0210 1.12E-06 0.3223696 Prepaid meter No 8.136024 5.199437 3.28 0.0010 2.325093 28.46979 MM account No 15.13087 9.39903 4.37 0.0000 4.478295 51.12288 Toilet sharing No 0.549644 0.442516 -0.74 0.4570 0.1134446 2.663051 Electricity sharing No 1.172444 0.839043 0.22 0.8240 0.2883644 4.766974 _cons 0.000269 0.001115 -1.99 0.0470 8.06E-08 0.8998666 Author’s computation When households use three saving mechanisms, associations become more pronounced. Public renting remains negative, while high-quality flooring and broad access to improved water sources strongly increase the likelihood of saving via three mechanisms. Non-borrowers of cash are less likely to save, and higher amounts borrowed are positively associated with three-way saving, indicating that financially active households both borrow and manage diversified saving portfolios. 4.1.4 Four or More Saving Mechanisms vs. Zero Saving Table 4 Determinants of Multi-Saving Behavior for four saving mechanisms (Uganda) Over four saving mechanisms/zero RRR Std. Error z P > z Lower Bound Upper Bound Occupancy tenure Rented Public 75.03671 85.36592 3.8 0.0000 8.070485 697.6665 Rented Private 2.40217 1.827276 1.15 0.2490 0.5408964 10.66826 Floor material Concrete 24357.86 99530.51 2.47 0.0130 8.099898 7.32E + 07 Tiles 45.19954 186.6995 0.92 0.3560 0.0137782 148277.3 Main water drinking source Other (specify) 0.004303 0.009833 -2.38 0.0170 0.0000489 0.3790279 Ever borrowed cash No 1.901473 0.985133 1.24 0.2150 0.6887981 5.249144 Ever borrowed goods No 4.02235 3.764997 1.49 0.1370 0.6423015 25.18957 Amount borrowed personal loan 1 1.36E-07 -3.49 0.0000 0.9999993 0.9999998 Prepaid meter No 195.3184 158.5322 6.5 0.0000 39.7976 958.5826 MM account No 3.53422 2.583519 1.73 0.0840 0.8434596 14.8089 Electricity sharing No 2891.524 2980.059 7.73 0.0000 383.5856 21796.72 _cons 2.63E-05 0.000165 -1.68 0.0930 1.19E-10 5.814133 Author’s computation At the highest tier, four or more saving mechanisms, some patterns reverse. Public renting becomes strongly positive, suggesting a small subset of well-paid public tenants with highly diversified saving. Concrete floors and independent electricity access remain strong predictors of high-tier saving. The significance of borrowing weakens, and the amount borrowed becomes negatively associated with four-way saving, indicating that mature savers rely more on accumulated assets than on new credit. 4.1.5 Comparative Trajectory: Uganda Table 5 Comparative Analysis of Determinants of Multi-Saving Channels in Uganda (One- to Four-Way) Determinant One-way Two-way Three-way Four-way Trajectory Public renting − − − + (large) Constraint at entry; niche positive at top tier. Cement/Concrete/Tiles floors + (very large) + + (very large) + Persistent wealth gradient. Piped/public taps — + + (very large) “Other” − Services map to higher tiers; poor sources hinder 4-way. Non-borrower (cash) − − − n.s. Credit complements saving early; fades at maturity. Non-borrower (goods) + + + (smaller) n.s. Shift from in-kind to monetary formalization. No prepaid meter + + + + (very large) Independent/formal electricity aligns with diversification. No electricity sharing − + n.s. + (very large) Private connections increasingly important. No MM account + + + ± (borderline +) Tier-vs-zero contrast; cash-only entry prevalent at low tiers. Author’s Computation Across tiers, public renting shifts from a constraint at low tiers to an advantage at the top; housing quality consistently predicts saving; infrastructure access supports diversification; and credit is complementary at lower tiers but less central at higher tiers. Non-use of mobile money, in the Uganda context, reflects the continued role of semi-formal and informal saving systems. 4.2 Kenya: Determinants of Multi-Saving Channels Kenya’s financial landscape is characterised by deep mobile money integration, high levels of formal financial inclusion, and a rich mix of informal saving groups. 4.2.1 One Saving Mechanism vs. Zero Saving Table 6 Determinants of Multi-Saving Channels in Kenya (one way saving mechanism) Variable RRR Std. err. z P > z [95% conf. Interval 0 (base outcome) 1 Sex Female .9796111 .0398099 -0.51 0.612 .9046117 1.060829 Age 0.9858109 0.00119 -11.83 0.0000 0.983481 0.988147 Main decision maker on household expenditure Spouse 0.8042611 0.045677 -3.84 0.0000 0.719538 0.89896 Mother 0.4467663 0.037922 -9.49 0.0000 0.378295 0.527631 Father 0.5572779 0.053608 -6.08 0.0000 0.461519 0.672906 Son 0.5469192 0.149914 -2.2 0.0280 0.319597 0.93593 Not stated 0.5649173 0.061354 -5.26 0.0000 0.456603 0.698926 Non-relative(s) 1.753302 0.441782 2.23 0.0260 1.069987 2.872996 Both mother and father 0.6448973 0.157709 -1.79 0.0730 0.399328 1.041481 Reduced meal frequency in the past month No 1.273655 0.045555 6.76 0.0000 1.187427 1.366145 Financial Advice Information from mainstream media/advertisement 1.058378 0.130065 0.46 0.6440 0.831834 1.346621 Advice from friends/family/colleagues/peers 0.7712432 0.069394 -2.89 0.0040 0.646552 0.919983 Nobody else/nothing else/my own personal experience 0.7147928 0.064674 -3.71 0.0000 0.598638 0.853486 "Social media/Influencers" 1.632717 0.321811 2.49 0.0130 1.109527 2.402615 Don't know (DO NOT READ OUT) 0.4022329 0.088519 -4.14 0.0000 0.26131 0.619155 Registered on Mobile Money Used to use 0.2615663 0.022213 -15.79 0.0000 0.221461 0.308935 Never used 0.1621011 0.009987 -29.53 0.0000 0.143663 0.182906 Registered on a bank/microfinance Bank account Used to use 0.7669286 0.048662 -4.18 0.0000 0.677244 0.868489 Never used 0.5610356 0.02692 -12.05 0.0000 0.510678 0.616359 Loan application denied in the past 12 months No 0.7393818 0.04022 -5.55 0.0000 0.664608 0.822568 _cons 4.646164 0.547225 13.04 0.0000 3.688417 5.852602 Author’s Computation Age has a negative effect on one-way saving, implying that younger individuals are more likely to use a single saving channel. Sex is not significant. Household decision-making by spouses or parents reduces the likelihood of one-way saving, while decision-making influenced by non-relatives increases it. Economic stability (no meal reduction) increases the probability of saving. Social media and influencers positively influence saving entry, while informal advice and lack of advice reduce it. Active use of mobile money and bank accounts significantly increases the probability of one-way saving. 4.2.2 Two Saving Mechanisms vs. Zero Saving Table 7 Determinants of Multi-Saving Channels in Kenya (two way saving mechanism) Variable RRR Std. err. z P > z [95% conf. Interval 2 Age 0.9753768 0.001609 -15.11 0.0000 0.972228 0.978536 Main decision maker on household expenditure Spouse 0.8663184 0.063132 -1.97 0.0490 0.751013 0.999327 Jointly (with spouse) 1.252338 0.078359 3.6 0.0000 1.107801 1.415734 Jointly (with another household member(s) not spouse) 0.7676883 0.120656 -1.68 0.0930 0.564162 1.044639 Mother 0.4268035 0.05038 -7.21 0.0000 0.338651 0.537902 Father 0.4022576 0.057517 -6.37 0.0000 0.303945 0.53237 Not stated 0.4486183 0.072922 -4.93 0.0000 0.326224 0.616934 Reduced meal frequency in the past month No 1.777901 0.085238 12 0.0000 1.618446 1.953066 Financial Advice Information from mainstream media/advertisement 0.8717988 0.127726 -0.94 0.3490 0.654196 1.161781 Advice from friends/family/colleagues/peers 0.6793227 0.069406 -3.78 0.0000 0.556045 0.829932 Formal education (school curriculum/advice) 0.6145871 0.1311 -2.28 0.0220 0.404585 0.933591 Nobody else/nothing else/my own personal experience 0.5599932 0.057891 -5.61 0.0000 0.457285 0.68577 Don't know (DO NOT READ OUT) 0.1165114 0.061606 -4.07 0.0000 0.041332 0.328434 Registered on Mobile Money Used to use 0.0856751 0.017657 -11.92 0.0000 0.057205 0.128315 Never used 0.0465861 0.007009 -20.38 0.0000 0.03469 0.062563 Registered on a bank/microfinance Bank account Used to use 0.4380636 0.03285 -11.01 0.0000 0.378187 0.50742 Never used 0.268968 0.014803 -23.86 0.0000 0.241464 0.299604 Loan application denied in the past 12 months No 0.5909558 0.037973 -8.19 0.0000 0.521027 0.67027 _cons 6.610407 0.910587 13.71 0.0000 5.046319 8.659276 Author’s Computation For two-way saving, diversification intensifies. Age remains negative, and joint decision-making with a spouse strongly promotes saving diversification. Parental control reduces saving, while economic stability and structured decision-making support it. Informal financial advice continues to have a negative association. Discontinuation or absence of mobile money and bank usage drastically reduces the probability of two-way saving. Not being denied a loan is associated with lower saving diversification, suggesting some substitution between borrowing and saving. 4.2.3 Three Saving Mechanisms vs. Zero Saving Three-way saving exhibits similar but stronger patterns. Age remains negative; decision-making autonomy is crucial; and not reducing meal frequency has an even stronger positive effect. All informal or non-institutional sources of financial advice (friends, family, media, spiritual leaders, school, personal experience, and general internet) reduce the likelihood of three-way saving relative to professional or structured sources. Discontinued or absent mobile money and bank accounts sharply lower the probability of three-way saving. Table 8 Determinants of Multi-Saving Channels in Kenya (three way saving mechanism) Variable RRR Std. err. z P > z [95% conf. interval] 3 Sex Female 0.8794384 0.071019 -1.59 0.1120 0.750701 1.030253 Age 0.9716398 0.002439 -11.46 0.0000 0.966871 0.976432 Main decision maker on household expenditure Jointly (with another household member(s) not spouse) 0.4585771 0.130102 -2.75 0.0060 0.262978 0.79966 Mother 0.2781218 0.059741 -5.96 0.0000 0.182556 0.423715 Father 0.2396047 0.062139 -5.51 0.0000 0.144127 0.398333 Not stated 0.3223832 0.09365 -3.9 0.0000 0.182433 0.569693 Both mother and father 0.1234386 0.127575 -2.02 0.0430 0.016283 0.93578 Reduced meal frequency in the past month No 2.034559 0.154469 9.36 0.0000 1.753255 2.360998 Financial Advice Information from mainstream media/advertisement 0.4720043 0.10224 -3.47 0.0010 0.308723 0.721643 Advice from friends/family/colleagues/peers 0.4962229 0.062586 -5.56 0.0000 0.387543 0.635381 "Spiritual Leaders/Faith Based organizations" 0.5226338 0.166483 -2.04 0.0420 0.279931 0.975764 Formal education (school curriculum/advice) 0.3368487 0.111299 -3.29 0.0010 0.176273 0.6437 Nobody else/nothing else/my own personal experience 0.4058224 0.052182 -7.01 0.0000 0.315418 0.522139 Internet (Google) 0.393872 0.143474 -2.56 0.0110 0.192882 0.804302 Registered on Mobile Money Used to use 0.0122982 0.012327 -4.39 0.0000 0.001725 0.087703 Never used 0.0249234 0.010321 -8.92 0.0000 0.011069 0.056117 Registered on a bank/microfinance Bank account Used to use 0.2586249 0.028313 -12.35 0.0000 0.208682 0.32052 Never used 0.1263445 0.010012 -26.1 0.0000 0.108169 0.147575 Loan application denied in the past 12 months No 0.6289322 0.058035 -5.03 0.0000 0.524879 0.753613 _cons 5.062777 0.924791 8.88 0.0000 3.539194 7.242246 Author’s Computation 4.2.4 Four Saving Mechanisms vs. Zero Saving Table 9 Determinants of Multi-Saving Channels in Kenya (four way saving mechanism) Variable RRR Std. err. z P > z [95% conf. interval] 4 Sex Female 0.9305455 0.136743 -0.49 0.6240 0.697676 1.241142 Age 0.9676024 0.004519 -7.05 0.0000 0.958785 0.976501 Main decision maker on household expenditure Spouse 0.9356662 0.186154 -0.33 0.7380 0.633536 1.381881 Mother 0.3289199 0.125707 -2.91 0.0040 0.155517 0.69567 Father 0.4731661 0.174621 -2.03 0.0430 0.229551 0.97532 Not stated 0.2745405 0.164724 -2.15 0.0310 0.084701 0.889871 Reduced meal frequency in the past month No 2.4528 0.377657 5.83 0.0000 1.813856 3.316816 Information from mainstream media/advertisement 0.2835529 0.112873 -3.17 0.0020 0.129956 0.618686 Advice from friends/family/colleagues/peers 0.3568803 0.064799 -5.67 0.0000 0.250017 0.509419 "Spiritual Leaders/Faith-Based organizations" 0.1123619 0.115097 -2.13 0.0330 0.01509 0.83665 Formal education (school curriculum/advice) 0.3658569 0.169542 -2.17 0.0300 0.147522 0.907332 Nobody else/nothing else/my personal experience 0.2473653 0.047819 -7.23 0.0000 0.169352 0.361317 Internet (Google) 0.3571272 0.183767 -2 0.0450 0.130263 0.979098 Registered on a bank/microfinance Bank account Used to use 0.1063498 0.026711 -8.92 0.0000 0.065005 0.17399 Never used 0.0401971 0.007394 -17.47 0.0000 0.028031 0.057645 Loan application denied in the past 12 months No 0.7153423 0.119709 -2 0.0450 0.515311 0.993021 _cons 2.154719 0.657804 2.51 0.0120 1.18449 3.919672 Author’s Computation Four-way saving represents the most diversified behaviour. Sex remains insignificant; age continues to be negatively associated. Mothers’, fathers’, and unspecified decision-makers as expenditure controllers significantly reduce the likelihood of four-way saving. Economic stability exerts the strongest positive effect at this tier. Reliance on informal financial advice channels remains negatively associated with high-tier diversification. Discontinued or absent bank or microfinance accounts strongly reduce the probability of four-way saving. Not being denied a loan is negatively associated, indicating that those with stable access to credit may rely less on maintaining multiple saving channels. 4.2.5 Comparative Trajectory: Kenya Table 10 Comparative Trends Across Saving Levels Determinant 1-Way 2-Way 3-Way 4-Way Age − − − − Gender (Female) ns ns ns ns Economic Stability (Meal Frequency) + 1.27× + 1.78× + 2.03× + 2.45× Financial Autonomy Moderate effect High for joint decisions Strong Strong Parental Decision Control − − − − Financial Literacy (Informal Advice) − − − − Social Media/Influencers + ns − − Mobile Money & Bank Access Strong + Very strong + Very strong + Extremely strong + Loan Denial (No) − − − − (ns = not significant; “+” = positive association; “−” = negative association) - Author’s computation Across all tiers, age is consistently negative; gender is largely non-significant; economic stability becomes more important as saving diversification increases; decision-making autonomy supports saving; informal financial advice constrains diversification; and sustained use of mobile money and bank accounts remains the single most powerful driver of multi-saving behaviour. Credit access appears to substitute for saving diversification. 4.3 Tanzania: Determinants of Multi-Saving Channels The Tanzanian analysis relies on log-odds coefficients from multinomial logistic models. 4.3.1 One Saving Mechanism vs. Zero Saving Table 11 Determinants of Multi-Saving Channels in Tanzania (one way saving mechanism) Number of obs = 100,314 LR chi2(157) = 42,569 Prob > chi2 = 0.0000 Pseudo R2 = 0.7216 Log likelihood = -102735 Variable Level Coefficient Std. err. z P > z [95% conf. interval] 0 (base outcome) 1 sex FEMALE -0.1659 0.017155 -9.67 0.000 -199528 -1322817 borrow NO -0.55076 0.034152 -16.13 0.000 -6176947 -4838202 occup fishing -0.43593 0.056095 -7.77 0.000 -5458717 -325984 government -0.17857 0.068635 -2.6 0.009 -3130947 -440499 private sector 0.24081 0.031478 7.65 0.000 -1791135 -3025062 NGO/religious 0.177928 0.132993 1.34 0.181 -827331 -4385897 paid family work -1.21841 0.084003 -14.5 0.000 -383056 -53772 remittance yes 0.310113 0.020741 14.95 0.000 -269461 -3507655 educ primary 0.340832 0.018136 18.79 0.000 -3052851 -3763783 secondary 1.061011 0.068555 15.48 0.000 -9266467 -195376 adult education 0.439775 0.147765 2.98 0.003 -150162 -7293881 don't know 0.273641 0.030224 9.05 0.000 -2144028 -3328793 wall poles and mud/ stones 0.657327 0.059635 11.02 0.000 -5404445 -77421 mud only 0.385276 0.06675 5.77 0.000 -2544477 -5161043 mud bricks 0.64563 0.058863 10.97 0.000 -5302611 -7609982 baked/burnt bricks 0.897651 0.059764 15.02 0.000 -7805156 -14787 concrete slab, sand/cement blocks, stones 0.742181 0.063265 11.73 0.000 -6181833 -8661792 other, specify 0.320831 0.090796 3.53 0.000 -1428738 -4987891 roof mud and grass 1.236713 0.056995 21.7 0.000 -125004 -348421 concrete slab (flat roof) 2.044944 0.332969 6.14 0.000 -392338 -697551 iron sheet 0.354615 0.023183 15.3 0.000 -309178 -4000521 asbestos sheets -0.96404 0.180443 -5.34 0.000 -317704 -6103823 Tiles 4.752406 1.180785 4.02 0.000 -43811 -66703 other, specify 1.929285 0.131025 14.72 0.000 -672481 -186088 floor concrete slab 0.557382 0.102756 5.42 0.000 -3559848 -7587798 sand/cement 0.739115 0.022422 32.96 0.000 -695168 -7830619 Tiles 0.829347 0.075273 11.02 0.000 -681815 -9768789 Timber 2.762682 0.810586 3.41 0.001 -173962 -351402 other, specify 2.321743 0.423869 5.48 0.000 -490975 -15251 residence Urban 0.532454 0.026209 20.32 0.000 -481086 -5838213 bank_account No -0.46045 0.028655 -16.07 0.000 -5166105 -4042854 cooking_source Paraffin -2.28026 0.136987 -16.65 0.000 -548745 -11764 Electricity -0.74259 0.175122 -4.24 0.000 -85825 -3993614 Gas 0.584969 0.061977 9.44 0.000 -4634975 -7064412 Charcoal 0.233935 0.028178 8.3 0.000 -1787074 -2891635 other, specify -0.48597 0.076284 -6.37 0.000 -63548 -3364519 lighting_source Solar 0.18153 0.028863 6.29 0.000 -1249589 -2381015 Gas 2.760005 0.907896 3.04 0.002 -9805614 -539449 lamp oil 0.241543 0.04013 6.02 0.000 -1628888 -3201963 Candle -0.88774 0.089103 -9.96 0.000 -62374 -7130973 Firewood -3.64918 0.339205 -10.76 0.000 -314005 -984345 Torch -0.20541 0.03073 -6.68 0.000 -2656428 -1451841 other, specify -0.95674 0.092407 -10.35 0.000 -137859 -7756291 _cons — -0.40122 0.075876 -5.29 0.000 -5499378 -2525081 Author’s Computation For one-way saving, non-borrowers are less likely to save, indicating complementarity between borrowing and saving. Private-sector employment and education (primary, secondary, adult) significantly increase the likelihood of saving. Better housing quality and urban residence are positively associated with saving. Having no bank account reduces saving probability. Modern cooking and lighting energy sources increase the likelihood of one-way saving. 4.3.2 Two Saving Mechanisms vs. Zero Saving Table 12 Determinants of Multi-Saving Channels in Tanzania (two way saving mechanism) Variable Level Coefficient Std. err. z P > z [95% conf. interval] 2 sex Female -0.23803 0.021889 -10.87 0.000 -0.2809277 -0.19513 borrow No -0.9741 0.038301 -25.43 0.000 -1.049173 -0.89904 Occupation Fishing -0.73491 0.077953 -9.43 0.000 -0.8876988 -0.58213 Government 0.211603 0.070386 3.01 0.003 0.0736494 0.349558 Parastatal 51.67266 0.711071 72.67 0.000 50.27899 53.06634 private sector 0.265852 0.036372 7.31 0.000 0.1945649 0.337139 NGO/religious 0.96167 0.132985 7.23 0.000 0.7010243 1.222315 paid family work -0.65873 0.085636 -7.69 0.000 -0.8265745 -0.49089 Remittance Yes 0.349723 0.02596 13.47 0.000 0.2988427 0.400603 educ Primary 0.382734 0.023282 16.44 0.000 0.3371027 0.428366 Secondary 0.784094 0.074288 10.55 0.000 0.6384914 0.929697 adult education 0.995206 0.156128 6.37 0.000 0.6892011 1.30121 don't know 0.419555 0.037526 11.18 0.000 0.3460062 0.493103 Wall material poles and mud/ stones -0.20348 0.072861 -2.79 0.005 -0.3462849 -0.06068 mud only -0.19404 0.080539 -2.41 0.016 -0.3518973 -0.03619 mud bricks -0.54157 0.071439 -7.58 0.000 -0.6815898 -0.40155 baked/burnt bricks -0.01197 0.071078 -0.17 0.866 -0.1512817 0.127337 slab, sand/cement blocks, stones -0.37568 0.074164 -5.07 0.000 -0.5210338 -0.23032 other, specify -3.88261 0.329741 -11.77 0.000 -4.528891 -3.23633 Roof material mud and grass 0.184008 0.129339 1.42 0.155 -0.0694929 0.437508 concrete slab (flat roof) 3.469153 0.333233 10.41 0.000 2.816029 4.122278 iron sheet 0.786282 0.039467 19.92 0.000 0.7089272 0.863636 asbestos sheets -0.38664 0.194599 -1.99 0.047 -0.7680514 -0.00524 tiles 4.349187 1.185402 3.67 0.000 2.025841 6.672533 other, specify -1.29669 0.71832 -1.81 0.071 -2.704575 0.111189 Floor material concrete slab 1.274875 0.108429 11.76 0.000 1.062359 1.487391 sand/cement 0.99583 0.029094 34.23 0.000 0.9388075 1.052853 tiles 1.530527 0.077744 19.69 0.000 1.378152 1.682902 timber 2.054992 1.290333 1.59 0.111 -0.4740134 4.583997 other, specify 2.99546 0.424748 7.05 0.000 2.162969 3.82795 Residence type urban 0.89195 0.029794 29.94 0.000 0.8335547 0.950345 Bank account no -0.68381 0.031963 -21.39 0.000 -0.7464604 -0.62117 Cooking source paraffin -0.56236 0.104126 -5.4 0.000 -0.7664467 -0.35828 electricity 0.080656 0.186068 0.43 0.665 -0.28403 0.445342 gas 0.829825 0.064268 12.91 0.000 0.7038611 0.955788 charcoal 0.331859 0.033055 10.04 0.000 0.2670734 0.396645 other, specify 0.595719 0.079771 7.47 0.000 0.4393696 0.752067 Lighting source solar 0.132342 0.032959 4.02 0.000 0.0677425 0.196941 gas 2.712154 0.91062 2.98 0.003 0.9273705 4.496937 lamp oil -0.83207 0.060068 -13.85 0.000 -0.9497992 -0.71434 candle -1.00162 0.109934 -9.11 0.000 -1.217086 -0.78615 firewood -47.587 2.03E + 09 0 1.000 -3.98E + 09 3.98E + 09 private generator 4.220589 1.007714 4.19 0.000 2.245505 6.195672 torch -0.52271 0.037283 -14.02 0.000 -0.5957825 -0.44964 other, specify -0.13769 0.096578 -1.43 0.154 -0.3269781 0.051601 _cons -0.34371 0.088366 -3.89 0.000 -0.5169031 -0.17052 For two-way saving, women are significantly less likely than men to save via two mechanisms. Non-borrowers remain less likely to save. Formal employment (government, private, parastatal, NGO) strongly predicts two-way saving. Remittances positively affect saving diversification. Education remains a strong positive determinant. Urban residence, bank account ownership, and modern energy sources continue to support multi-saving. 4.3.3 Three Saving Mechanisms vs. Zero Saving Table 13 Determinants of Multi-Saving Channels in Tanzania (three way saving mechanism) Variable Level Coefficient Std. err. z P > z [95% conf. interval] 3 sex female -0.04127 0.037796 -1.09 0.275 -0.1153506 0.032808 borrowing no -0.26288 0.060535 -4.34 0.000 -0.381529 -0.14424 Occupation fishing -3.6507 0.710438 -5.14 0.000 -5.043129 -2.25826 government 0.869585 0.082707 10.51 0.000 0.7074822 1.031688 parastatal 53.75307 0.713307 75.36 0.000 52.35501 55.15112 private sector 0.3399 0.057525 5.91 0.000 0.2271532 0.452647 NGO/religious 1.326817 0.158484 8.37 0.000 1.016195 1.637439 paid family work -0.35229 0.110447 -3.19 0.001 -0.5687654 -0.13582 Remittances yes -0.01629 0.04926 -0.33 0.741 -0.1128335 0.080262 educ primary 1.102566 0.043029 25.62 0.000 1.018231 1.186901 secondary -0.04062 0.107175 -0.38 0.705 -0.2506831 0.169435 adult education -1.2073 0.596717 -2.02 0.043 -2.376849 -0.03776 don't know -0.37784 0.091192 -4.14 0.000 -0.5565719 -0.19911 Wall materials poles and mud/stones 0.709211 0.248458 2.85 0.004 0.2222417 1.196179 mud only 1.311193 0.251738 5.21 0.000 0.8177948 1.804591 mud bricks 0.474216 0.244524 1.94 0.052 -0.0050427 0.953475 baked/burnt bricks 0.492852 0.243032 2.03 0.043 0.0165179 0.969186 CONCRETE slab, sand/cement blocks, stones -0.01752 0.243985 -0.07 0.943 -0.495722 0.460681 other, specify -4.03707 1.033458 -3.91 0.000 -6.062608 -2.01153 Roof materials mud and grass -44.7346 1.71E + 09 0 1.000 -3.34E + 09 3.34E + 09 concrete slab (flat roof) 2.876733 0.370217 7.77 0.000 2.15112 3.602346 iron sheet 0.396179 0.095155 4.16 0.000 0.2096778 0.582679 asbestos sheets -4.37307 1.0189 -4.29 0.000 -6.370079 -2.37606 tiles 5.615492 1.188819 4.72 0.000 3.28545 7.945534 Floor material concrete slab 2.429445 0.142711 17.02 0.000 2.149736 2.709154 sand/cement 1.164058 0.063746 18.26 0.000 1.039118 1.288997 tiles 1.855383 0.102911 18.03 0.000 1.65368 2.057085 other, specify 3.948909 0.435557 9.07 0.000 3.095232 4.802586 Residence type urban 1.145974 0.047431 24.16 0.000 1.053011 1.238938 Bank Account no -1.72311 0.046334 -37.19 0.000 -1.81392 -1.6323 Cooking source paraffin 0.132596 0.153985 0.86 0.389 -0.1692091 0.434402 gas 0.534338 0.083707 6.38 0.000 0.3702741 0.698401 charcoal 0.527393 0.055951 9.43 0.000 0.4177318 0.637055 other, specify 1.007038 0.120853 8.33 0.000 0.770171 1.243905 Lighting source solar -0.33842 0.05392 -6.28 0.000 -0.4441065 -0.23274 lamp oil -0.99619 0.130863 -7.61 0.000 -1.252678 -0.73971 candle -4.85826 1.004134 -4.84 0.000 -6.826331 -2.8902 torch -1.26196 0.079813 -15.81 0.000 -1.418389 -1.10553 other, specify -3.68411 1.007453 -3.66 0.000 -5.658685 -1.70954 _cons -2.77844 0.255688 -10.87 0.000 -3.279581 -2.2773 For three-way saving, gender differences become insignificant. Non-borrowers remain less likely to save, though the effect weakens. Formal employment retains strong positive effects, while fishing and paid family work lower the probability of three-way saving. Remittances lose significance. Primary education has a strong positive effect; adult and unknown education have negative effects. Housing quality, urban residence, bank account ownership, and modern cooking fuels all increase the likelihood of three-way saving, while traditional lighting methods reduce it. 4.3.4 Four Saving Mechanisms vs. Zero Saving Table 14 Determinants of Multi-Saving Channels in Tanzania (four way saving mechanism) Variable Level Coefficient Std. err. z P > z [95% conf. interval] 4 Sex female -0.33268 0.103525 -3.21 0.001 -0.5355871 -0.12978 Borrowing no 0.406933 0.178665 2.28 0.023 0.0567567 0.757109 Occupation fishing -3.8716 1.017784 -3.8 0.000 -5.866417 -1.87678 government -3.36642 0.466196 -7.22 0.000 -4.280143 -2.45269 private sector -1.39866 0.154943 -9.03 0.000 -1.702348 -1.09498 paid family work 0.020773 0.175131 0.12 0.906 -0.3224761 0.364023 Remittances yes -45.8314 5.86E + 08 0 1.000 -1.15E + 09 1.15E + 09 educ primary -1.16994 0.110082 -10.63 0.000 -1.385699 -0.95419 secondary -2.0167 0.593088 -3.4 0.001 -3.179126 -0.85426 adult education 0.138569 1.015305 0.14 0.891 -1.851393 2.128531 don't know -0.0329 0.160232 -0.21 0.837 -0.3469517 0.281146 Wall material poles and mud/stones 1.849168 0.705437 2.62 0.009 0.4665375 3.231799 mud only 1.402984 0.713363 1.97 0.049 0.0048187 2.801149 mud bricks 1.230321 0.703336 1.75 0.080 -0.1481913 2.608833 baked/burnt bricks 0.566806 0.708574 0.8 0.424 -0.8219728 1.955584 slab, sand/cement blocks, stones -0.70705 0.718148 -0.98 0.325 -2.114592 0.700498 Roof material iron sheet -0.27021 0.161048 -1.68 0.093 -0.5858547 0.045443 Floor material concrete slab -1.74896 1.031405 -1.7 0.090 -3.770476 0.272559 sand/cement -0.07968 0.152756 -0.52 0.602 -0.3790744 0.219718 tiles 0.992792 0.216205 4.59 0.000 0.5690374 1.416546 Residence type urban 2.251277 0.119372 18.86 0.000 2.017312 2.485243 Bank Account no -1.80114 0.110613 -16.28 0.000 -2.017937 -1.58434 Cooking source gas 4.151072 0.222003 18.7 0.000 3.715954 4.586191 charcoal 2.746685 0.145445 18.88 0.000 2.461619 3.031751 other, specify 6.053221 0.237136 25.53 0.000 5.588443 6.517999 Lighting source solar 0.729844 0.137206 5.32 0.000 0.4609254 0.998763 torch -0.88984 0.193045 -4.61 0.000 -1.268196 -0.51147 _cons -4.83761 0.742595 -6.51 0.000 -6.29307 -3.38215 For four-way saving, gender differences re-emerge, with women less likely to save through four mechanisms. Non-borrowers are now more likely to be four-way savers, indicating a shift toward self-financed saving. Several formal occupations now show negative coefficients, suggesting saturation effects in formal saving schemes. Primary and secondary education become negatively associated with four-way saving, indicating that high-tier diversification is driven more by experience and innovation than by schooling. Urban residence remains strongly positive, lack of a bank account remains a major barrier, and modern cooking and lighting fuels are strongly associated with the highest level of saving diversification. 4.3.5 Comparative Trajectory: Tanzania Table 15 Evolution of Determinants Across Saving Levels Determinant 1-Way 2-Way 3-Way 4-Way Trend Summary Gender (Female) − significant − significant ns − significant Non-linear; gender gap narrows then re-emerges Borrowing (No) − − − + Transition from credit-linked to self-financed saving Occupation (Formal Work) + + ++ − Shifts from enabling to saturating effect Education + + mixed − Declines at high diversification; experience overtakes schooling Housing Quality ++ + + ± Strong early effect, diminishing at saturation Urban Residence + ++ ++ +++ Intensifying positive impact No Bank Account − − −− −−− Persistent structural barrier Modern Energy Access + + ++ +++ Increasingly strong proxy for welfare Author’s computations Across tiers in Tanzania, gender effects are non-linear; borrowing shifts from complementarity to substitution at high tiers; occupation and education support saving at lower and middle tiers but lose strength at saturation; housing and urban residence consistently support diversification; and bank accounts and modern energy remain central enablers of multi-saving behaviour. 5. Cross-Country Discussion The cross-country evidence yields several overarching patterns and contrasts. Structural Determinants: Housing, Infrastructure, and Energy In all three countries, housing quality and infrastructure access (water and electricity) are robust predictors of saving participation and diversification. Energy sources consistently operate as proxies for welfare and modernisation. Households relying on modern energy are more likely to diversify savings, while those reliant on traditional fuels face greater constraints. Financial Inclusion and Digital Finance Formal financial inclusion bank or microfinance account ownership is a strong determinant of saving diversification across the region. In Kenya, mobile money is central; in Uganda, semi-formal and informal systems (SACCOs, VSLAs, ROSCAs) remain vital; and in Tanzania, bank accounts are indispensable. Financial inclusion must therefore be understood as a continuum spanning formal, digital, and community-based systems. Borrowing–Saving Nexus Borrowing and saving exhibit a non-linear relationship: borrowing complements saving at lower tiers, but at higher tiers, non-borrowers tend to dominate, especially in Tanzania. This suggests a transition from credit-supported saving to asset-based financial independence as households move up the diversification ladder. Decision-Making, Gender, and Autonomy In Kenya, decision-making autonomy strongly supports saving diversification, while parental control reduces it. In Tanzania, gender disparities appear at the lower and upper ends of saving diversification but diminish in the middle tiers. Uganda’s results, although less explicit on gender, suggest that tenure and infrastructure mediate similar dynamics of power and access. Overall, multi-saving behaviour emerges where households are both enabled by infrastructure and institutions and empowered by income stability and autonomy. 6. Policy Implications The findings yield several policy insights for governments, regulators, and development partners in East Africa. 1. Deepen Financial Inclusion Beyond Account Ownership Policies should prioritise active and sustained usage of accounts and mobile money, not just opening them. Interventions could include low-fee accounts, interoperable platforms, and products that bundle savings, credit, and insurance. 2. Leverage and Formalise Informal and Semi-Formal Saving Systems In Uganda and parts of Tanzania, SACCOs, VSLAs, ROSCAs, and asset-based saving remain central. Policy should support their formalisation, regulation, and linkage with banks and mobile money platforms, providing a bridge between informal and formal sectors. 3. Invest in Infrastructure, Housing, and Modern Energy The strong association between saving diversification and infrastructure (water, electricity) and housing quality suggests that infrastructure and housing policies are also financial inclusion policies. Expanding piped water, electrification, and modern energy access supports both welfare and saving capacity. 4. Address Gender Gaps and Empower Women Financially Gender disparities call for gender-responsive financial instruments, including collateral-free loans, savings-led microfinance products for women’s groups, and targeted financial literacy programmes. 5. Promote Financial Literacy Through Structured Channels The negative association between informal advice and multi-saving in Kenya underscores the need for structured financial education via schools, community programmes, regulated providers, and digital platforms that deliver accurate, actionable information. 6. Integrate Credit and Saving Across the Life Cycle Since borrowing and saving are complementary at lower tiers, financial institutions should design bundled credit–saving products that encourage households to maintain savings while borrowing. 7. Tailor Approaches to Urban and Rural Contexts Urban areas are hubs of multi-saving behaviour; rural strategies must address physical distance, lower incomes, and informal livelihoods by leveraging mobile money agents, community groups, and digital platforms. 7. Conclusion This paper has examined the determinants of multi-saving behaviour in Uganda, Kenya, and Tanzania using multinomial logistic regression and nationally representative datasets. By conceptualising saving as a multi-tiered outcome ranging from non-saving to four or more saving mechanisms the study moves beyond binary analyses and provides a richer understanding of how households engage with diverse financial instruments. The results demonstrate that saving diversification is shaped by a combination of structural, institutional, and behavioural factors: housing quality, infrastructure and energy access, formal and digital financial inclusion, borrowing behaviour, household decision-making autonomy, gender, urban residence, and economic stability. While the specific patterns differ across countries, the overall message is clear: multi-saving behaviour emerges where households are both enabled by infrastructure and institutions and empowered by income stability and autonomy. Limitations and Future Research The study relies primarily on cross-sectional survey data, which limits causal inference and the ability to track transitions over time. Additionally, the multinomial logit model imposes the IIA assumption and does not account for unobserved heterogeneity. Future work could use panel models or dynamic multinomial logit frameworks, explore alternative econometric models (ordered, nested, or mixed logit), incorporate qualitative evidence on motives and trust, and analyse policy experiments to assess the impact on saving diversification. References Abarcar, P., Barua, R. R., & Yang, D. (2020). Financial Education and Financial Access for Transnational Households: Field Experimental Evidence from the Philippines. Economic Development and Cultural Change, 69, 373 - 404. Abate Tadesse, Z. (2019). Household Saving Behavior and Determinants of Savings in Financial Institutions: The Case of Derra District, Oromia Region, Ethiopia. Research Journal of Finance and Accounting. https://doi.org/10.7176/rjfa/10-23-03 Banerjee, A., Karlan, D., & Zinman, J. (2015). Six randomized evaluations of microcredit: Introduction and further steps. American Economic Journal: Applied Economics. Beckmann, E., Hake, M., & Urvova, J. (2013). Determinants of households’ savings in Central, Eastern and Southeastern Europe. Focus on European Economic Integration Q, 3(13), 8-29. Cohn, R. A., & Kolluri, B. R. (2003). Determinants of household saving in the G-7 countries: recent evidence. Applied Economics, 35, 1199 - 1208. Deaton, A. (1991). Saving and liquidity constraints. Econometrica, 59(5), 1221–1248. Demirgüç-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2022). The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. World Bank. Doss, C. (2013). Intrahousehold bargaining and resource allocation in developing countries. World Development, 45, 138–151. Friedman, M. (1957). A Theory of the Consumption Function. Princeton University Press. Githinji, N., Onuonga, S. M., & Sichei, M. (2018). Institutions effect on households savings in Kenya: A ranked ordered multinomial/conditional probit model approach. Journal of economics and international finance, 10, 43-57. https://doi.org/10.5897/JEIF2018.0896 Gough, J. M. (2011). Determinants of the US household saving rate: An econometric analysis. Issues in political economy, 20(1), 28-44. Green, D., & Liu, E. (2019). A Dynamic Theory of Multiple Borrowing. Emerging Markets: Finance eJournal. Harris, M. N., Loundes, J., & Webster, E. (2002). Determinants of Household Saving in Australia. Wiley-Blackwell: Economic Record. Jack, W., & Suri, T. (2014). Risk sharing and transactions costs: Evidence from Kenya’s mobile money revolution. American Economic Review, 104(1), 183–223. Kibet, L. K., Mutai, B. K., Ouma, D. E., Ouma, S. A., & Owuor, G. (2009). Determinants of household saving: Case study of smallholder farmers, entrepreneurs and teachers in rural areas of Kenya. Journal of development and agricultural economics, 1(7), 137- 143. Lindqvist, A. (1981). A note on determinants of household saving behavior. Journal of Economic Psychology, 1(1), 39-57. https://doi.org/https://doi.org/10.1016/0167- 4870(81)90004-0 Modigliani, F., & Brumberg, R. (1954). Utility analysis and the consumption function: An interpretation of cross-section data. In Post-Keynesian Economics. Mpiira, S., Kiiza, B., Katungi, E., Tabuti, J., Staver, C., & Tushemereirwe, W. (2014). Determinants of Net Savings Deposits held in Savings and Credit Cooperatives (SACCOs) in Uganda. Journal of economics and international finance, 6, 69-79. https://doi.org/10.5897/JEIF2013.0563 Mwangi, I. (2020). Household Saving Behaviour in Kenya: A Discrete Choice Approach. Economics and Sustainable Development, 2222-2855. Szopinski, T. (2017). The determinants of household savings in Poland. Acta Scientiarum Polonorum. Oeconomia, 16(2). Thaariq, R. M., Anindita, A., & Iftina, H. D. (2021). THE INTERNET MIRACLE: THE IMPACT OF INTERNET ACCESS ON HOUSEHOLD SAVING IN INDONESIA. Buletin Ekonomi Moneter dan Perbankan. Thaler, R. (1985). Mental accounting and consumer choice. Marketing Science, 4(3), 199– 214. Tibesigwa, W. T., Kaberuka, W., Ayebare, J., & Morris, A. N. (2020). THE INFLUENCE OF FINANCIAL PLANNING ON THE RELATIONSHIP BETWEEN HOUSEHOLD INCOME AND LEVEL OF SAVING IN TANZANIA. International Journal of Advanced Research. Tyagi, M., Bhatia, G. K., Sanwal, T., & Singh, S. (2024). A Study on the Socioeconomic Determinants Affecting Individuals' Savings Habits. Productivity, 65(2). Varlamova, J., Larionova, N., & Zulfakarova, L. F. (2020). Digital Technologies and Saving Behavior. Proceedings of the International Scientific Conference "Far East Con" (ISCFEC 2020). Were, M., & Joseph, C. (2022). Determinants of domestic savings in Tanzania: Empirical evidence. WIDER Working Paper. Wierzbicka, E. (2017). Long-term savings of the population: an opportunity for both the country’s economy and individual households. Wierzbicka, E. (2018). Determinants of Increasing Household Savings in Poland. Humanitas University's Research Papers Management, 19(4), 61-77. Worku, S. T., Tafa, M. D., & Mekonnen, T. H. (2022). Determinants of rural household saving. International journal of health sciences. Additional Declarations The authors declare no competing interests. Cite Share Download PDF Status: Posted Version 1 posted You are reading this latest preprint version Research Square lets you share your work early, gain feedback from the community, and start making changes to your manuscript prior to peer review in a journal. As a division of Research Square Company, we’re committed to making research communication faster, fairer, and more useful. We do this by developing innovative software and high quality services for the global research community. Our growing team is made up of researchers and industry professionals working together to solve the most critical problems facing scientific publishing. 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10:20:20","extension":"html","order_by":6,"title":"","display":"","copyAsset":false,"role":"acdc-reference","size":305376,"visible":true,"origin":"","legend":"","description":"","filename":"earlyproof.html","url":"https://assets-eu.researchsquare.com/files/rs-8179754/v1/e9d33c9cd8a2f81feaba4d0e.html"},{"id":96913707,"identity":"dc9f3fd5-c48a-4186-8d41-b6d709d39eae","added_by":"auto","created_at":"2025-11-27 14:04:00","extension":"pdf","order_by":0,"title":"","display":"","copyAsset":false,"role":"manuscript-pdf","size":3267897,"visible":true,"origin":"","legend":"","description":"","filename":"manuscript.pdf","url":"https://assets-eu.researchsquare.com/files/rs-8179754/v1/542511c5-fc0e-4fff-89f8-e9aa22ab704a.pdf"}],"financialInterests":"The authors declare no competing interests.","formattedTitle":"\u003cp\u003e\u003cstrong\u003eHousehold Determinants of Multi-Saving Behaviour in East Africa: Evidence from Uganda, Kenya, and Tanzania\u003c/strong\u003e\u003c/p\u003e","fulltext":[{"header":"1. Introduction","content":"\u003cp\u003eHousehold saving is a cornerstone of financial security, investment, and macroeconomic stability. At the micro level, savings enable households to smooth consumption, manage shocks, and invest in education, health, and productive assets. At the macro level, higher aggregate savings can support domestic investment, reduce dependence on external financing, and promote sustainable growth. In Sub-Saharan Africa, and East Africa in particular, saving behaviour is shaped by an evolving financial landscape in which formal, semi-formal, and informal mechanisms coexist\u0026mdash;banks, microfinance institutions, Savings and Credit Cooperative Organizations (SACCOs), Village Savings and Loan Associations (VSLAs), Rotating Savings and Credit Associations (ROSCAs), mobile money platforms, and asset-based saving such as livestock, land, and durable goods.\u003c/p\u003e\u003cp\u003eDespite this diversity, empirical research on saving in low- and middle-income countries frequently relies on a binary conceptualisation of saving that fails to capture the extent of diversification across saving mechanisms. Yet many households in Uganda, Kenya, and Tanzania do not merely save or not save; they operate portfolios of saving devices, often simultaneously, responding to differences in liquidity, risk, trust, and accessibility. Understanding the determinants of multi-saving behaviour is therefore crucial for designing policies that support inclusive and robust savings systems.\u003c/p\u003e\u003cp\u003eThis paper contributes to the literature by:\u003c/p\u003e\u003cp\u003e\u003col\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eConceptualising household saving as a multi-outcome phenomenon, defined by the number of saving channels used.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eEstimating the determinants of saving diversification in Uganda, Kenya, and Tanzania using multinomial logistic regression.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eComparing the trajectories of key determinants (e.g. housing quality, financial inclusion, borrowing, decision-making, and gender) as households move from zero saving to increasingly diversified saving portfolios.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003c/ol\u003e\u003c/p\u003e\u003cp\u003eThe study leverages rich, nationally representative datasets: the Uganda National Household Survey (UNHS) 2019/20, a national financial inclusion survey for Kenya, and the Tanzania National Panel Survey (TNPS) 2020/21. Together, these datasets provide detailed information on demographic characteristics, socio-economic status, financial access, infrastructure, and saving practices, enabling a nuanced analysis of multi-saving behaviour within a unified framework.\u003c/p\u003e\u003cp\u003eThe remainder of the paper is structured as follows. Section \u003cspan refid=\"Sec2\" class=\"InternalRef\"\u003e2\u003c/span\u003e presents the theoretical and empirical literature. Section \u003cspan refid=\"Sec5\" class=\"InternalRef\"\u003e3\u003c/span\u003e describes the data and methodology, including the multinomial logistic regression specification. Section \u003cspan refid=\"Sec10\" class=\"InternalRef\"\u003e4\u003c/span\u003e presents country-specific results for Uganda, Kenya, and Tanzania. Section \u003cspan refid=\"Sec29\" class=\"InternalRef\"\u003e5\u003c/span\u003e discusses cross-country patterns and synthesises the findings. Section \u003cspan refid=\"Sec30\" class=\"InternalRef\"\u003e6\u003c/span\u003e outlines policy implications, and Section \u003cspan refid=\"Sec37\" class=\"InternalRef\"\u003e7\u003c/span\u003e concludes with limitations and suggestions for future research.\u003c/p\u003e"},{"header":"2. Literature Review","content":"\u003cdiv id=\"Sec3\" class=\"Section2\"\u003e\u003ch2\u003e2.1 Theoretical Perspectives on Saving Behaviour\u003c/h2\u003e\u003cp\u003eThe analysis of saving behaviour is grounded in several theoretical frameworks:\u003c/p\u003e\u003cp\u003eLife-Cycle Hypothesis (LCH)\u003c/p\u003e\u003cp\u003eThe LCH (Modigliani \u0026amp; Brumberg, \u003cspan citationid=\"CR17\" class=\"CitationRef\"\u003e1954\u003c/span\u003e) posits that individuals plan consumption and saving over their lifetime to smooth utility, saving during working years and dissaving in retirement. Under this framework, saving behaviour is influenced by age, income expectations, and access to capital markets.\u003c/p\u003e\u003cp\u003ePermanent Income Hypothesis (PIH)\u003c/p\u003e\u003cp\u003eFriedman\u0026rsquo;s (\u003cspan citationid=\"CR9\" class=\"CitationRef\"\u003e1957\u003c/span\u003e) PIH emphasises that consumption depends on permanent rather than current income. Transitory income shocks are saved or used to retire debt, implying that households with more volatile income tend to maintain precautionary savings.\u003c/p\u003e\u003cp\u003eBuffer-Stock and Precautionary Saving Models\u003c/p\u003e\u003cp\u003eDeaton (\u003cspan citationid=\"CR6\" class=\"CitationRef\"\u003e1991\u003c/span\u003e) and related buffer-stock models highlight saving as self-insurance against income risk in environments with incomplete or imperfect credit markets. Households facing uncertainty and credit constraints maintain buffer stocks of savings.\u003c/p\u003e\u003cp\u003ePortfolio and Asset Choice Frameworks\u003c/p\u003e\u003cp\u003eHouseholds allocate wealth across different financial and real assets based on preferences, risk-return trade-offs, liquidity needs, and institutional constraints. In low-income contexts, portfolio choice often involves mixing formal accounts with informal mechanisms such as ROSCAs and livestock.\u003c/p\u003e\u003cp\u003eBehavioural Finance and Household Decision-Making\u003c/p\u003e\u003cp\u003eBehavioural theories emphasise bounded rationality, present bias, mental accounting, and intra-household bargaining. These factors can lead to under-saving, sub-optimal portfolio composition, and reliance on commitment devices or group-based saving schemes.\u003c/p\u003e\u003cp\u003eThese frameworks motivate the decision to view saving not as a simple yes/no choice but as a portfolio decision across multiple channels, influenced by income, risk, institutional access, behavioural constraints, and intra-household power structures.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec4\" class=\"Section2\"\u003e\u003ch2\u003e2.2 Empirical Evidence on Savings in Developing Countries\u003c/h2\u003e\u003cp\u003eEmpirical work in developing countries has identified a wide range of determinants of saving:\u003c/p\u003e\u003cp\u003e\u003col\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eIncome and wealth: Higher income and asset ownership are positively associated with saving levels and participation in formal saving instruments.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eEducation and financial literacy: Education increases financial knowledge, trust in institutions, and awareness of saving products.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eFinancial inclusion: Access to bank accounts and mobile money platforms has been shown to increase the probability of saving and the frequency of saving transactions, notably in Kenya.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eGender and decision-making: Women may face limitations in asset ownership and access to formal financial services, but they often exhibit stronger commitment to precautionary saving when empowered.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eInfrastructure and housing: Access to clean water, electricity, and modern housing correlates with higher wealth and saving capacity.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eBorrowing behaviour: Credit access can complement saving (by increasing liquidity and formal financial engagement) or substitute for saving (if households rely on loans rather than building precautionary balances).\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003c/ol\u003e\u003c/p\u003e\u003cp\u003eHowever, most studies treat saving as a binary dependent variable whether a household or individual saves. Fewer studies consider the number and mix of saving mechanisms used simultaneously. This paper addresses that gap in the East African context.\u003c/p\u003e\u003c/div\u003e"},{"header":"3. Data and Methodology","content":"\u003cdiv id=\"Sec6\" class=\"Section2\"\u003e\u003ch2\u003e3.1 Data Sources\u003c/h2\u003e\u003cp\u003eThe empirical analysis draws on three national datasets:\u003c/p\u003e\u003cp\u003e\u003col\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eUganda: Uganda National Household Survey (UNHS) 2019/20, a nationally representative survey that captures demographic and socioeconomic characteristics, financial access, housing quality, energy use, and detailed saving practices. Households report whether and where they save (home, banks, SACCOs, microfinance, VSLAs, ROSCAs, mobile money, assets).\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eKenya: A national financial inclusion survey that includes detailed modules on saving behaviour, mobile money and bank usage, loan applications and denials, decision-making on household expenditure, financial advice sources, and indicators of consumption stress (e.g., reduced meal frequency).\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eTanzania: Tanzania National Panel Survey (TNPS) Wave 5 (2020\u0026ndash;21), implemented by the National Bureau of Statistics in collaboration with the World Bank\u0026rsquo;s LSMS. The TNPS contains 55,145 observations and 87 variables with rich information on household income sources, employment, education, remittances, housing, energy, banking, and saving practices.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003c/ol\u003e\u003c/p\u003e\u003cp\u003eThese datasets allow for country-specific modelling within a harmonised conceptual framework.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec7\" class=\"Section2\"\u003e\u003ch2\u003e3.2 Definition of the Dependent Variable: Multi-Saving Behaviour\u003c/h2\u003e\u003cp\u003eFor each country, saving mechanisms are grouped into a set of categories (formal, semi-formal, informal, and asset-based) and then aggregated into a count of how many distinct mechanisms each household uses. This count is then recoded into an ordered categorical variable:\u003c/p\u003e\u003cp\u003e0\u0026thinsp;=\u0026thinsp;No saving\u003c/p\u003e\u003cp\u003e1\u0026thinsp;=\u0026thinsp;Saving through one mechanism\u003c/p\u003e\u003cp\u003e2\u0026thinsp;=\u0026thinsp;Saving through two mechanisms\u003c/p\u003e\u003cp\u003e3\u0026thinsp;=\u0026thinsp;Saving through three mechanisms\u003c/p\u003e\u003cp\u003e4\u0026thinsp;=\u0026thinsp;Saving through four or more mechanisms\u003c/p\u003e\u003cp\u003eThis classification captures a gradient of saving diversification, from non-participation to highly diversified saving portfolios.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec8\" class=\"Section2\"\u003e\u003ch2\u003e3.3 Explanatory Variables\u003c/h2\u003e\u003cp\u003eWhile the exact variable set differs slightly across countries due to survey design, the following broad categories are included:\u003c/p\u003e\u003cp\u003e\u003col\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eDemographic characteristics: sex, age, education level.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eHousehold decision-making and structure (Kenya): main decision-maker for household expenditures.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eEconomic stability and welfare: reduced meal frequency, remittances, occupation.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eFinancial inclusion and credit: mobile money, bank accounts, loan history, borrowing status.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eHousing and infrastructure: occupancy tenure, floor, wall, roof materials, water source, toilet and electricity sharing.\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003cspan\u003e\u003cli\u003e\u003cp\u003eEnergy and location: cooking fuel, lighting source, and residence type (urban/rural).\u003c/p\u003e\u003c/li\u003e\u003c/span\u003e\u003c/ol\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec9\" class=\"Section2\"\u003e\u003ch2\u003e3.4 Econometric Strategy: Multinomial Logistic Regression\u003c/h2\u003e\u003cp\u003eBecause the dependent variable comprises more than two unordered categories (0, 1, 2, 3, 4\u0026thinsp;+\u0026thinsp;saving mechanisms), the study employs the multinomial logistic regression (MNL) model.\u003c/p\u003e\u003cp\u003e\u003c/p\u003e\u003c/div\u003e\u003cp\u003e\u003cimg 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\" width=\"703\" height=\"339\"\u003e\u003c/p\u003e"},{"header":"4. Empirical Results","content":"\u003cdiv id=\"Sec11\" class=\"Section2\"\u003e\u003ch2\u003e4.1 Uganda: Determinants of Multi-Saving Channels\u003c/h2\u003e\u003cp\u003eIn Uganda, the multinomial logit model distinguishes between households with zero, one, two, three, and four-plus saving mechanisms. The key results are as follows.\u003c/p\u003e\u003cdiv id=\"Sec12\" class=\"Section3\"\u003e\u003ch2\u003e4.1.1 One Saving Mechanism vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab1\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 1\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Behavior (One Saving Mechanism vs. Zero Saving) for Uganda\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"7\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOne saving mechanism/zero\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eRRR\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eStd. Error\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eLower Bound\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003eUpper Bound\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOccupancy tenure\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRented Public\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.016964\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.011406\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-6.06\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.0045418\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0633641\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRented Private\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.337576\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.197716\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-1.85\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0640\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.1071093\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.063935\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFloor material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCement screed\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e762.7968\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e798.383\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e6.34\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e98.0611\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e5933.636\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eConcrete\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e739.1062\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1360.018\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e3.59\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e20.06428\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e27226.39\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eTiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e358.3308\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e598.5991\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e3.52\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e13.56233\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e9467.473\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMain water drinking source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePiped water to the yard\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e134.4636\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e195.863\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e3.36\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0010\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e7.739688\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2336.071\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePublic borehole\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.025898\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.037738\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.51\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0120\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.0014892\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.4504044\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOther (specify)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e48.00907\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e78.81058\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.36\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0180\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.923137\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1198.495\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEver borrowed cash\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.013772\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.005836\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-10.11\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.006002\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0316013\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEver borrowed goods\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e51.74677\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e35.89114\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e5.69\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e13.28914\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e201.4975\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAmount borrowed personal loan\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1.00E\u0026thinsp;+\u0026thinsp;00\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e6.93E-08\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.19\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0280\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSource cooking\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOther (specify)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.000427\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.001422\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.33\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0200\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e6.22E-07\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.2928283\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePrepaid meter\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e14.65742\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e9.030299\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e4.36\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e4.381676\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e49.03146\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMM account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e41.50135\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e25.04692\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e6.17\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e12.71583\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e135.4503\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eToilet sharing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e27.06082\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e19.91499\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e4.48\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e6.396055\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e114.4905\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eN/A\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e7.09E-17\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eElectricity sharing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.229674\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.152946\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.21\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0270\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.0622691\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.8471288\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.000103\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.000376\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.51\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0120\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e7.92E-08\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.1333866\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAuthor\u0026rsquo;s computation\u003c/b\u003e\u003c/p\u003e\u003cp\u003eThe one-way saving model reveals strong roles for tenure, housing quality, water access, borrowing behaviour, and utility sharing. Public renting is associated with a much lower likelihood of saving via a single mechanism, whereas better housing quality and piped water access significantly increase the likelihood of saving. Borrowing cash is complementary to saving, while never borrowing goods is associated with higher saving, suggesting financial independence. Households without prepaid meters or mobile money accounts are more likely to save through one mechanism, reflecting reliance on non-digital, informal saving structures.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec13\" class=\"Section3\"\u003e\u003ch2\u003e4.1.2 Two Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab2\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 2\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Behavior (Two Saving Mechanisms vs. Zero Saving) \u0026ndash; Uganda\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"7\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eTwo saving mechanisms/zero\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eRRR\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eStd. Error\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eLower Bound\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003eUpper Bound\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOccupancy tenure\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFree Private\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.016074\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.010073\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-6.59\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.0047069\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0548931\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSubsidized Public\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e212.352\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e419.4621\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.71\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0070\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e4.422476\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e10196.41\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRented Public\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.258145\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.148447\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.35\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0190\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.083633\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.7968026\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFloor material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRammed earth\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e7.15E-19\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCement screed\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e119.0112\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e101.4869\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e5.6\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e22.37305\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e633.0686\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eConcrete\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e23.3226\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e40.7486\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e1.8\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0710\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.7595929\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e716.0987\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eTiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e62.09257\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e96.54789\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.66\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0080\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e2.947842\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1307.901\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMain water drinking source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePiped water to the yard\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e148.2997\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e212.2293\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e3.49\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e8.974274\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2450.649\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOther (specify)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e49.52523\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e80.36293\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.4\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0160\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e2.058782\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1191.359\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEver borrowed cash\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.180405\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.067918\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-4.55\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.0862568\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.3773142\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEver borrowed goods\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e73.93085\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e47.08473\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e6.76\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e21.21859\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e257.5935\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAmount borrowed personal loan\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e6.64E-08\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e1.78\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0750\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePrepaid meter\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e11.21534\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e6.685524\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e4.06\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e3.486636\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e36.07599\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMM account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e7.349322\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e4.274505\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e3.43\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0010\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e2.350565\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e22.97853\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eElectricity sharing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e4.92124\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e3.022323\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.59\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0090\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.47679\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e16.39948\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.000181\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.00066\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.37\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0180\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.45E-07\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.2266615\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eAuthor\u0026rsquo;s computation\u003c/p\u003e\u003cp\u003eFor households using two saving mechanisms, patterns from one-way saving persist and intensify. Free private housing is associated with lower likelihood of two-way saving, while subsidised public housing strongly predicts saving diversification. Housing quality, piped water, and borrowing behaviour remain important, and households without prepaid meters and without mobile money accounts are more likely to maintain two saving mechanisms.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec14\" class=\"Section3\"\u003e\u003ch2\u003e4.1.3 Three Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab3\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 3\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Behavior for three saving mechanisms (Uganda)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"7\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eThree saving mechanisms/zero\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eRRR\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eStd. Error\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eLower Bound\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003eUpper Bound\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOccupancy tenure\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRented Public\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.015198\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.014572\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-4.37\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.002321\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0995198\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFloor material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCement screed\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e727.2562\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1614.005\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.97\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0030\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e9.388802\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e56333.24\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eTiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e17622.41\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e46089.4\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e3.74\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e104.6756\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2966780\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMain water drinking source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePiped water to the yard\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e2693.086\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e4147.804\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e5.13\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e131.6003\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e55111.65\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePublic taps\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1363.43\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1904.869\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e5.17\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e88.18746\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e21079.44\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePublic borehole\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e2154.66\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e3103.172\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e5.33\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e128.0755\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e36248.61\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eProtected well/spring\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e823.0986\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1207.323\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e4.58\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e46.44159\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e14588.03\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOther (specify)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e3826.522\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e6460.387\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e4.89\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e139.8637\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e104689.6\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEver borrowed cash\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.025972\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.012098\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-7.84\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.0104237\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0647131\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEver borrowed goods\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e6.261701\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e5.014957\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.29\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0220\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.303078\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e30.08945\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAmount borrowed personal loan\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e7.21E-08\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e4.79\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSource cooking\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCharcoal\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.003222\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.009911\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-1.87\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0620\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e7.76E-06\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.337627\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFirewood\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.000602\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.00193\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.31\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0210\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.12E-06\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.3223696\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePrepaid meter\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e8.136024\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e5.199437\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e3.28\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0010\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e2.325093\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e28.46979\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMM account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e15.13087\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e9.39903\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e4.37\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e4.478295\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e51.12288\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eToilet sharing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.549644\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.442516\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-0.74\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.4570\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.1134446\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.663051\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eElectricity sharing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1.172444\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.839043\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e0.22\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.8240\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.2883644\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e4.766974\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.000269\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.001115\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-1.99\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0470\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e8.06E-08\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.8998666\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eAuthor\u0026rsquo;s computation\u003c/p\u003e\u003cp\u003eWhen households use three saving mechanisms, associations become more pronounced. Public renting remains negative, while high-quality flooring and broad access to improved water sources strongly increase the likelihood of saving via three mechanisms. Non-borrowers of cash are less likely to save, and higher amounts borrowed are positively associated with three-way saving, indicating that financially active households both borrow and manage diversified saving portfolios.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec15\" class=\"Section3\"\u003e\u003ch2\u003e4.1.4 Four or More Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab4\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 4\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Behavior for four saving mechanisms (Uganda)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"7\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOver four saving mechanisms/zero\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eRRR\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eStd. Error\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eLower Bound\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003eUpper Bound\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOccupancy tenure\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRented Public\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e75.03671\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e85.36592\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e3.8\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e8.070485\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e697.6665\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRented Private\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e2.40217\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.827276\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e1.15\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.2490\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.5408964\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e10.66826\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFloor material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eConcrete\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e24357.86\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e99530.51\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.47\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0130\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e8.099898\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e7.32E\u0026thinsp;+\u0026thinsp;07\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eTiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e45.19954\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e186.6995\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e0.92\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.3560\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.0137782\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e148277.3\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMain water drinking source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOther (specify)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.004303\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.009833\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.38\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0170\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.0000489\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.3790279\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEver borrowed cash\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1.901473\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.985133\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e1.24\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.2150\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.6887981\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e5.249144\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEver borrowed goods\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e4.02235\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e3.764997\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e1.49\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.1370\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.6423015\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e25.18957\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAmount borrowed personal loan\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.36E-07\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-3.49\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.9999993\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.9999998\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePrepaid meter\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e195.3184\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e158.5322\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e6.5\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e39.7976\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e958.5826\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMM account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e3.53422\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.583519\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e1.73\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0840\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.8434596\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e14.8089\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eElectricity sharing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e2891.524\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2980.059\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e7.73\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e383.5856\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e21796.72\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e2.63E-05\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.000165\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-1.68\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0930\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.19E-10\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e5.814133\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eAuthor\u0026rsquo;s computation\u003c/p\u003e\u003cp\u003eAt the highest tier, four or more saving mechanisms, some patterns reverse. Public renting becomes strongly positive, suggesting a small subset of well-paid public tenants with highly diversified saving. Concrete floors and independent electricity access remain strong predictors of high-tier saving. The significance of borrowing weakens, and the amount borrowed becomes negatively associated with four-way saving, indicating that mature savers rely more on accumulated assets than on new credit.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec16\" class=\"Section3\"\u003e\u003ch2\u003e4.1.5 Comparative Trajectory: Uganda\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab5\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 5\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eComparative Analysis of Determinants of Multi-Saving Channels in Uganda (One- to Four-Way)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"6\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eDeterminant\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eOne-way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eTwo-way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003eThree-way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003eFour-way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eTrajectory\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePublic renting\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e+ (large)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eConstraint at entry; niche positive at top tier.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCement/Concrete/Tiles floors\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+ (very large)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e+ (very large)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003ePersistent wealth gradient.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ePiped/public taps\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026mdash;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e+ (very large)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026ldquo;Other\u0026rdquo; \u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eServices map to higher tiers; poor sources hinder 4-way.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNon-borrower (cash)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003en.s.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eCredit complements saving early; fades at maturity.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNon-borrower (goods)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e+ (smaller)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003en.s.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eShift from in-kind to monetary formalization.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo prepaid meter\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e+ (very large)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eIndependent/formal electricity aligns with diversification.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo electricity sharing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003en.s.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e+ (very large)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003ePrivate connections increasingly important.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo MM account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026plusmn; (borderline +)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eTier-vs-zero contrast; cash-only entry prevalent at low tiers.\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003e\u003cb\u003eAuthor\u0026rsquo;s Computation\u003c/b\u003e\u003c/p\u003e\u003cp\u003eAcross tiers, public renting shifts from a constraint at low tiers to an advantage at the top; housing quality consistently predicts saving; infrastructure access supports diversification; and credit is complementary at lower tiers but less central at higher tiers. Non-use of mobile money, in the Uganda context, reflects the continued role of semi-formal and informal saving systems.\u003c/p\u003e\u003c/div\u003e\u003c/div\u003e\u003cdiv id=\"Sec17\" class=\"Section2\"\u003e\u003ch2\u003e4.2 Kenya: Determinants of Multi-Saving Channels\u003c/h2\u003e\u003cp\u003eKenya\u0026rsquo;s financial landscape is characterised by deep mobile money integration, high levels of formal financial inclusion, and a rich mix of informal saving groups.\u003c/p\u003e\u003cdiv id=\"Sec18\" class=\"Section3\"\u003e\u003ch2\u003e4.2.1 One Saving Mechanism vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab6\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 6\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Channels in Kenya (one way saving mechanism)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"7\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eVariable\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eRRR\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eStd. err.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003e[95% conf.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003eInterval\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e0 (base outcome)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSex\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFemale\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e.9796111\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e.0398099\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-0.51\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.612\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e.9046117\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e1.060829\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAge\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.9858109\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.00119\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-11.83\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.983481\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.988147\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMain decision maker on household expenditure\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSpouse\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.8042611\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.045677\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-3.84\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.719538\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.89896\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMother\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.4467663\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.037922\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-9.49\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.378295\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.527631\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFather\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.5572779\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.053608\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-6.08\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.461519\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.672906\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSon\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.5469192\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.149914\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.2\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0280\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.319597\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.93593\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNot stated\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.5649173\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.061354\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-5.26\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.456603\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.698926\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNon-relative(s)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1.753302\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.441782\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.23\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0260\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.069987\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e2.872996\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eBoth mother and father\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.6448973\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.157709\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-1.79\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0730\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.399328\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e1.041481\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eReduced meal frequency in the past month\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1.273655\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.045555\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e6.76\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.187427\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e1.366145\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFinancial Advice\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eInformation from mainstream media/advertisement\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1.058378\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.130065\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e0.46\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.6440\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.831834\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e1.346621\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAdvice from friends/family/colleagues/peers\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.7712432\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.069394\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-2.89\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0040\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.646552\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.919983\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNobody else/nothing else/my own personal experience\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.7147928\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.064674\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-3.71\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.598638\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.853486\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e\"Social media/Influencers\"\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1.632717\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.321811\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e2.49\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0130\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.109527\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e2.402615\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eDon't know (DO NOT READ OUT)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.4022329\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.088519\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-4.14\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.26131\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.619155\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRegistered on Mobile Money\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eUsed to use\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.2615663\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.022213\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-15.79\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.221461\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.308935\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNever used\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.1621011\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.009987\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-29.53\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.143663\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.182906\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRegistered on a bank/microfinance Bank account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eUsed to use\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.7669286\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.048662\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-4.18\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.677244\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.868489\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNever used\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.5610356\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.02692\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-12.05\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.510678\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.616359\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eLoan application denied in the past 12 months\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.7393818\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.04022\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e-5.55\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.664608\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.822568\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e4.646164\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.547225\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c4\"\u003e\u003cp\u003e13.04\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e3.688417\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e5.852602\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eAuthor\u0026rsquo;s Computation\u003c/p\u003e\u003cp\u003eAge has a negative effect on one-way saving, implying that younger individuals are more likely to use a single saving channel. Sex is not significant. Household decision-making by spouses or parents reduces the likelihood of one-way saving, while decision-making influenced by non-relatives increases it. Economic stability (no meal reduction) increases the probability of saving. Social media and influencers positively influence saving entry, while informal advice and lack of advice reduce it. Active use of mobile money and bank accounts significantly increases the probability of one-way saving.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec19\" class=\"Section3\"\u003e\u003ch2\u003e4.2.2 Two Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab7\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 7\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Channels in Kenya (two way saving mechanism)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"7\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"char\" char=\".\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eVariable\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eRRR\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eStd. err.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003e[95% conf.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003eInterval\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e2\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAge\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.9753768\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.001609\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-15.11\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.972228\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.978536\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMain decision maker on household expenditure\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSpouse\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.8663184\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.063132\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-1.97\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0490\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.751013\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.999327\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eJointly (with spouse)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e1.252338\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.078359\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e3.6\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e1.107801\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e1.415734\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eJointly (with another household member(s) not spouse)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.7676883\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.120656\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-1.68\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0930\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.564162\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e1.044639\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMother\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.4268035\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.05038\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-7.21\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.338651\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.537902\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFather\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.4022576\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.057517\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-6.37\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.303945\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.53237\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNot stated\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.4486183\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.072922\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-4.93\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.326224\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.616934\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eReduced meal frequency in the past month\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e1.777901\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.085238\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e12\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e1.618446\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e1.953066\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFinancial Advice\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eInformation from mainstream media/advertisement\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.8717988\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.127726\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-0.94\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.3490\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.654196\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e1.161781\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAdvice from friends/family/colleagues/peers\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.6793227\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.069406\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-3.78\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.556045\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.829932\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFormal education (school curriculum/advice)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.6145871\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.1311\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-2.28\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0220\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.404585\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.933591\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNobody else/nothing else/my own personal experience\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.5599932\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.057891\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-5.61\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.457285\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.68577\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eDon't know (DO NOT READ OUT)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.1165114\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.061606\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-4.07\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.041332\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.328434\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRegistered on Mobile Money\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eUsed to use\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.0856751\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.017657\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-11.92\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.057205\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.128315\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNever used\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.0465861\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.007009\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-20.38\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.03469\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.062563\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRegistered on a bank/microfinance Bank account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eUsed to use\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.4380636\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.03285\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-11.01\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.378187\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.50742\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNever used\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.268968\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.014803\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-23.86\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.241464\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.299604\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eLoan application denied in the past 12 months\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e0.5909558\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.037973\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-8.19\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e0.521027\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e0.67027\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c2\"\u003e\u003cp\u003e6.610407\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c3\"\u003e\u003cp\u003e0.910587\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e13.71\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c6\"\u003e\u003cp\u003e5.046319\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"char\" char=\".\" colname=\"c7\"\u003e\u003cp\u003e8.659276\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003ctfoot\u003e\u003ctr\u003e\u003ctd colspan=\"7\"\u003eAuthor\u0026rsquo;s Computation\u003c/td\u003e\u003c/tr\u003e\u003c/tfoot\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eFor two-way saving, diversification intensifies. Age remains negative, and joint decision-making with a spouse strongly promotes saving diversification. Parental control reduces saving, while economic stability and structured decision-making support it. Informal financial advice continues to have a negative association. Discontinuation or absence of mobile money and bank usage drastically reduces the probability of two-way saving. Not being denied a loan is associated with lower saving diversification, suggesting some substitution between borrowing and saving.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec20\" class=\"Section3\"\u003e\u003ch2\u003e4.2.3 Three Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003eThree-way saving exhibits similar but stronger patterns. Age remains negative; decision-making autonomy is crucial; and not reducing meal frequency has an even stronger positive effect. All informal or non-institutional sources of financial advice (friends, family, media, spiritual leaders, school, personal experience, and general internet) reduce the likelihood of three-way saving relative to professional or structured sources. Discontinued or absent mobile money and bank accounts sharply lower the probability of three-way saving.\u003c/p\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab8\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 8\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Channels in Kenya (three way saving mechanism)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"14\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c8\" colnum=\"8\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c9\" colnum=\"9\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c10\" colnum=\"10\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c11\" colnum=\"11\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c12\" colnum=\"12\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c13\" colnum=\"13\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c14\" colnum=\"14\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eVariable\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003eRRR\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003eStd. err.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e[95% conf.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003einterval]\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e3\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSex\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFemale\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.8794384\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.071019\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-1.59\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.1120\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.750701\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e1.030253\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAge\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.9716398\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.002439\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-11.46\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.966871\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.976432\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMain decision maker on household expenditure\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eJointly (with another household member(s) not spouse)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.4585771\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.130102\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-2.75\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0060\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.262978\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.79966\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMother\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.2781218\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.059741\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-5.96\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.182556\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.423715\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFather\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.2396047\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.062139\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-5.51\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.144127\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.398333\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNot stated\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.3223832\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.09365\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-3.9\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.182433\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.569693\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eBoth mother and father\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.1234386\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.127575\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-2.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0430\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.016283\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.93578\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eReduced meal frequency in the past month\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e2.034559\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.154469\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e9.36\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e1.753255\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e2.360998\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFinancial Advice\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eInformation from mainstream media/advertisement\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.4720043\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.10224\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-3.47\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0010\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.308723\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.721643\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAdvice from friends/family/colleagues/peers\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.4962229\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.062586\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-5.56\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.387543\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.635381\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e\"Spiritual Leaders/Faith Based organizations\"\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.5226338\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.166483\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-2.04\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0420\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.279931\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.975764\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFormal education (school curriculum/advice)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.3368487\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.111299\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-3.29\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0010\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.176273\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.6437\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNobody else/nothing else/my own personal experience\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.4058224\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.052182\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-7.01\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.315418\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.522139\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eInternet (Google)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c3\" namest=\"c2\"\u003e\u003cp\u003e0.393872\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c5\" namest=\"c4\"\u003e\u003cp\u003e0.143474\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c7\" namest=\"c6\"\u003e\u003cp\u003e-2.56\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c9\" namest=\"c8\"\u003e\u003cp\u003e0.0110\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"3\" nameend=\"c12\" namest=\"c10\"\u003e\u003cp\u003e0.192882\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c14\" namest=\"c13\"\u003e\u003cp\u003e0.804302\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003eRegistered on Mobile Money\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003eUsed to use\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u003cp\u003e0.0122982\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u003cp\u003e0.012327\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u003cp\u003e-4.39\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u003cp\u003e0.001725\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u003cp\u003e0.087703\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003eNever used\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u003cp\u003e0.0249234\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u003cp\u003e0.010321\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u003cp\u003e-8.92\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u003cp\u003e0.011069\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u003cp\u003e0.056117\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003eRegistered on a bank/microfinance Bank account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003eUsed to use\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u003cp\u003e0.2586249\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u003cp\u003e0.028313\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u003cp\u003e-12.35\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u003cp\u003e0.208682\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u003cp\u003e0.32052\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003eNever used\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u003cp\u003e0.1263445\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u003cp\u003e0.010012\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u003cp\u003e-26.1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u003cp\u003e0.108169\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u003cp\u003e0.147575\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003eLoan application denied in the past 12 months\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u003cp\u003e0.6289322\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u003cp\u003e0.058035\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u003cp\u003e-5.03\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u003cp\u003e0.524879\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u003cp\u003e0.753613\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c2\" namest=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c4\" namest=\"c3\"\u003e\u003cp\u003e5.062777\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c6\" namest=\"c5\"\u003e\u003cp\u003e0.924791\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c8\" namest=\"c7\"\u003e\u003cp\u003e8.88\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c10\" namest=\"c9\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c11\"\u003e\u003cp\u003e3.539194\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"2\" nameend=\"c13\" namest=\"c12\"\u003e\u003cp\u003e7.242246\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colspan=\"1\" nameend=\"c14\" namest=\"c14\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003ctfoot\u003e\u003ctr\u003e\u003ctd colspan=\"14\"\u003eAuthor\u0026rsquo;s Computation\u003c/td\u003e\u003c/tr\u003e\u003c/tfoot\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec21\" class=\"Section3\"\u003e\u003ch2\u003e4.2.4 Four Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab9\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 9\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Channels in Kenya (four way saving mechanism)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"7\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eVariable\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eRRR\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eStd. err.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003e[95% conf.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003einterval]\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e4\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSex\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFemale\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.9305455\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.136743\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-0.49\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.6240\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.697676\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.241142\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAge\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.9676024\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.004519\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-7.05\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.958785\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.976501\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMain decision maker on household expenditure\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSpouse\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.9356662\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.186154\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-0.33\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.7380\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.633536\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.381881\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMother\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.3289199\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.125707\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-2.91\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0040\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.155517\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.69567\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFather\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.4731661\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.174621\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-2.03\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0430\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.229551\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.97532\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNot stated\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.2745405\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.164724\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-2.15\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0310\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.084701\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.889871\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eReduced meal frequency in the past month\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e2.4528\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.377657\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e5.83\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.813856\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e3.316816\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eInformation from mainstream media/advertisement\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.2835529\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.112873\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-3.17\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0020\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.129956\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.618686\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAdvice from friends/family/colleagues/peers\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.3568803\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.064799\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-5.67\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.250017\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.509419\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e\"Spiritual Leaders/Faith-Based organizations\"\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.1123619\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.115097\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-2.13\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0330\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.01509\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.83665\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFormal education (school curriculum/advice)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.3658569\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.169542\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-2.17\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0300\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.147522\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.907332\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNobody else/nothing else/my personal experience\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.2473653\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.047819\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-7.23\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.169352\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.361317\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eInternet (Google)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.3571272\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.183767\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-2\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0450\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.130263\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.979098\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRegistered on a bank/microfinance Bank account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eUsed to use\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.1063498\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.026711\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-8.92\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.065005\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.17399\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNever used\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.0401971\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.007394\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-17.47\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.028031\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.057645\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eLoan application denied in the past 12 months\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e0.7153423\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.119709\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-2\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0450\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.515311\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.993021\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e2.154719\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.657804\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e2.51\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.0120\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.18449\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e3.919672\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003ctfoot\u003e\u003ctr\u003e\u003ctd colspan=\"7\"\u003eAuthor\u0026rsquo;s Computation\u003c/td\u003e\u003c/tr\u003e\u003c/tfoot\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eFour-way saving represents the most diversified behaviour. Sex remains insignificant; age continues to be negatively associated. Mothers\u0026rsquo;, fathers\u0026rsquo;, and unspecified decision-makers as expenditure controllers significantly reduce the likelihood of four-way saving. Economic stability exerts the strongest positive effect at this tier. Reliance on informal financial advice channels remains negatively associated with high-tier diversification. Discontinued or absent bank or microfinance accounts strongly reduce the probability of four-way saving. Not being denied a loan is negatively associated, indicating that those with stable access to credit may rely less on maintaining multiple saving channels.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec22\" class=\"Section3\"\u003e\u003ch2\u003e4.2.5 Comparative Trajectory: Kenya\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab10\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 10\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eComparative Trends Across Saving Levels\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"5\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eDeterminant\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1-Way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2-Way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003e3-Way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003e4-Way\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eAge\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eGender (Female)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ens\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003ens\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003ens\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003ens\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEconomic Stability (Meal Frequency)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u0026thinsp;1.27\u0026times;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u0026thinsp;1.78\u0026times;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e+\u0026thinsp;2.03\u0026times;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e+\u0026thinsp;2.45\u0026times;\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFinancial Autonomy\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eModerate effect\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003eHigh for joint decisions\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003eStrong\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003eStrong\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eParental Decision Control\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFinancial Literacy (Informal Advice)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSocial Media/Influencers\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003ens\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eMobile Money \u0026amp; Bank Access\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eStrong +\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003eVery strong +\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003eVery strong +\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003eExtremely strong +\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eLoan Denial (No)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003ctfoot\u003e\u003ctr\u003e\u003ctd colspan=\"5\"\u003e(ns\u0026thinsp;=\u0026thinsp;not significant; \u0026ldquo;+\u0026rdquo; = positive association; \u0026ldquo;\u0026minus;\u0026rdquo; = negative association) - Author\u0026rsquo;s computation\u003c/td\u003e\u003c/tr\u003e\u003c/tfoot\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eAcross all tiers, age is consistently negative; gender is largely non-significant; economic stability becomes more important as saving diversification increases; decision-making autonomy supports saving; informal financial advice constrains diversification; and sustained use of mobile money and bank accounts remains the single most powerful driver of multi-saving behaviour. Credit access appears to substitute for saving diversification.\u003c/p\u003e\u003c/div\u003e\u003c/div\u003e\u003cdiv id=\"Sec23\" class=\"Section2\"\u003e\u003ch2\u003e4.3 Tanzania: Determinants of Multi-Saving Channels\u003c/h2\u003e\u003cp\u003eThe Tanzanian analysis relies on log-odds coefficients from multinomial logistic models.\u003c/p\u003e\u003cdiv id=\"Sec24\" class=\"Section3\"\u003e\u003ch2\u003e4.3.1 One Saving Mechanism vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab11\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 11\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Channels in Tanzania (one way saving mechanism)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"8\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c8\" colnum=\"8\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\" morerows=\"1\" rowspan=\"2\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eNumber of obs\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003e=\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003e100,314\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/th\u003e\u003c/tr\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eLR chi2(157)\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003e=\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003e42,569\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eProb\u0026thinsp;\u0026gt;\u0026thinsp;chi2\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e=\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.0000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ePseudo R2\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e=\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.7216\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eLog likelihood\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e=\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e-102735\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eVariable\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eLevel\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003eCoefficient\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003eStd. err.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e[95% conf.\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003einterval]\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e0\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e(base outcome)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e1\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003esex\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eFEMALE\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.1659\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.017155\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-9.67\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-199528\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-1322817\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eborrow\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eNO\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.55076\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.034152\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-16.13\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-6176947\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-4838202\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eoccup\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003efishing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.43593\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.056095\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-7.77\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-5458717\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-325984\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003egovernment\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.17857\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.068635\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-2.6\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.009\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-3130947\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-440499\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eprivate sector\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.24081\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.031478\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e7.65\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1791135\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3025062\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eNGO/religious\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.177928\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.132993\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e1.34\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.181\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-827331\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-4385897\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003epaid family work\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.21841\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.084003\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-14.5\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-383056\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-53772\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eremittance\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eyes\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.310113\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.020741\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e14.95\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-269461\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3507655\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eeduc\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eprimary\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.340832\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.018136\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e18.79\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-3052851\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3763783\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esecondary\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.061011\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.068555\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e15.48\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-9266467\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-195376\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eadult education\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.439775\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.147765\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e2.98\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.003\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-150162\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-7293881\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003edon't know\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.273641\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.030224\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e9.05\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-2144028\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3328793\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ewall\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003epoles and mud/ stones\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.657327\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.059635\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e11.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-5404445\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-77421\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud only\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.385276\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.06675\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e5.77\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-2544477\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-5161043\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud bricks\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.64563\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.058863\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e10.97\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-5302611\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-7609982\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ebaked/burnt bricks\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.897651\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.059764\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e15.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-7805156\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-14787\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003econcrete slab, sand/cement blocks, stones\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.742181\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.063265\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e11.73\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-6181833\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-8661792\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.320831\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.090796\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e3.53\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1428738\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-4987891\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eroof\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud and grass\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.236713\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.056995\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e21.7\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-125004\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-348421\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003econcrete slab (flat roof)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.044944\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.332969\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e6.14\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-392338\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-697551\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eiron sheet\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.354615\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.023183\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e15.3\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-309178\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-4000521\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003easbestos sheets\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.96404\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.180443\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-5.34\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-317704\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-6103823\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eTiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e4.752406\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.180785\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e4.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-43811\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-66703\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.929285\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.131025\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e14.72\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-672481\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-186088\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003efloor\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003econcrete slab\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.557382\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.102756\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e5.42\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-3559848\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-7587798\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esand/cement\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.739115\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.022422\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e32.96\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-695168\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-7830619\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eTiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.829347\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.075273\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e11.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-681815\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-9768789\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eTimber\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.762682\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.810586\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e3.41\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.001\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-173962\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-351402\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.321743\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.423869\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e5.48\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-490975\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-15251\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eresidence\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eUrban\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.532454\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.026209\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e20.32\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-481086\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-5838213\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ebank_account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.46045\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.028655\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-16.07\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-5166105\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-4042854\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003ecooking_source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eParaffin\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-2.28026\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.136987\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-16.65\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-548745\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-11764\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eElectricity\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.74259\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.175122\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-4.24\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-85825\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3993614\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eGas\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.584969\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.061977\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e9.44\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-4634975\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-7064412\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eCharcoal\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.233935\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.028178\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e8.3\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1787074\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2891635\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.48597\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.076284\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-6.37\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-63548\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3364519\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003elighting_source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eSolar\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.18153\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.028863\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e6.29\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1249589\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2381015\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eGas\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.760005\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.907896\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e3.04\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.002\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-9805614\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-539449\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003elamp oil\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.241543\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.04013\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e6.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1628888\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3201963\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eCandle\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.88774\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.089103\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-9.96\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-62374\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-7130973\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eFirewood\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-3.64918\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.339205\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-10.76\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-314005\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-984345\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eTorch\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.20541\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.03073\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-6.68\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-2656428\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-1451841\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.95674\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.092407\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-10.35\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-137859\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-7756291\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026mdash;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.40122\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.075876\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-5.29\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-5499378\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2525081\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003ctfoot\u003e\u003ctr\u003e\u003ctd colspan=\"8\"\u003eAuthor\u0026rsquo;s Computation\u003c/td\u003e\u003c/tr\u003e\u003c/tfoot\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eFor one-way saving, non-borrowers are less likely to save, indicating complementarity between borrowing and saving. Private-sector employment and education (primary, secondary, adult) significantly increase the likelihood of saving. Better housing quality and urban residence are positively associated with saving. Having no bank account reduces saving probability. Modern cooking and lighting energy sources increase the likelihood of one-way saving.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec25\" class=\"Section3\"\u003e\u003ch2\u003e4.3.2 Two Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab12\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 12\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Channels in Tanzania (two way saving mechanism)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"8\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c8\" colnum=\"8\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eVariable\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eLevel\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eCoefficient\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003eStd. err.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003e[95% conf.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c8\"\u003e\u003cp\u003einterval]\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e2\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003esex\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eFemale\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.23803\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.021889\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-10.87\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.2809277\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.19513\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eborrow\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eNo\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.9741\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.038301\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-25.43\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.049173\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.89904\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOccupation\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eFishing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.73491\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.077953\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-9.43\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.8876988\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.58213\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eGovernment\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.211603\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.070386\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e3.01\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.003\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0736494\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.349558\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eParastatal\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e51.67266\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.711071\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e72.67\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e50.27899\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e53.06634\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eprivate sector\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.265852\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.036372\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e7.31\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.1945649\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.337139\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eNGO/religious\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.96167\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.132985\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e7.23\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.7010243\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.222315\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003epaid family work\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.65873\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.085636\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-7.69\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.8265745\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.49089\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRemittance\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eYes\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.349723\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.02596\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e13.47\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.2988427\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.400603\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eeduc\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ePrimary\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.382734\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.023282\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e16.44\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.3371027\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.428366\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eSecondary\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.784094\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.074288\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e10.55\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.6384914\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.929697\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eadult education\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.995206\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.156128\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e6.37\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.6892011\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.30121\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003edon't know\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.419555\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.037526\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e11.18\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.3460062\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.493103\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eWall material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003epoles and mud/ stones\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.20348\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.072861\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-2.79\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.005\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.3462849\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.06068\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud only\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.19404\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.080539\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-2.41\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.016\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.3518973\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.03619\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud bricks\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.54157\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.071439\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-7.58\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.6815898\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.40155\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ebaked/burnt bricks\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.01197\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.071078\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-0.17\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.866\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.1512817\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.127337\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eslab, sand/cement blocks, stones\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.37568\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.074164\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-5.07\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.5210338\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.23032\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-3.88261\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.329741\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-11.77\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-4.528891\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3.23633\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRoof material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud and grass\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.184008\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.129339\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e1.42\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.155\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.0694929\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.437508\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003econcrete slab (flat roof)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e3.469153\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.333233\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e10.41\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.816029\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e4.122278\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eiron sheet\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.786282\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.039467\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e19.92\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.7089272\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.863636\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003easbestos sheets\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.38664\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.194599\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-1.99\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.047\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.7680514\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.00524\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e4.349187\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.185402\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e3.67\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.025841\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e6.672533\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.29669\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.71832\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-1.81\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.071\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-2.704575\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.111189\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFloor material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003econcrete slab\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.274875\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.108429\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e11.76\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.062359\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.487391\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esand/cement\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.99583\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.029094\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e34.23\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.9388075\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.052853\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.530527\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.077744\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e19.69\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.378152\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.682902\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etimber\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.054992\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.290333\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e1.59\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.111\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.4740134\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e4.583997\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.99546\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.424748\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e7.05\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.162969\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e3.82795\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eResidence type\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eurban\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.89195\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.029794\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e29.94\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.8335547\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.950345\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eBank account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eno\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.68381\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.031963\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-21.39\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.7464604\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.62117\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCooking source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eparaffin\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.56236\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.104126\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-5.4\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.7664467\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.35828\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eelectricity\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.080656\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.186068\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.43\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.665\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.28403\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.445342\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003egas\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.829825\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.064268\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e12.91\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.7038611\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.955788\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003echarcoal\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.331859\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.033055\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e10.04\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.2670734\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.396645\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.595719\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.079771\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e7.47\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.4393696\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.752067\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eLighting source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esolar\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.132342\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.032959\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e4.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0677425\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.196941\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003egas\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.712154\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.91062\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e2.98\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.003\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.9273705\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e4.496937\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003elamp oil\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.83207\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.060068\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-13.85\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.9497992\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.71434\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ecandle\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.00162\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.109934\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-9.11\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.217086\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.78615\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003efirewood\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-47.587\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e2.03E\u0026thinsp;+\u0026thinsp;09\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-3.98E\u0026thinsp;+\u0026thinsp;09\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e3.98E\u0026thinsp;+\u0026thinsp;09\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eprivate generator\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e4.220589\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.007714\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e4.19\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.245505\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e6.195672\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etorch\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.52271\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.037283\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-14.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.5957825\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.44964\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.13769\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.096578\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-1.43\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.154\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.3269781\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.051601\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.34371\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.088366\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-3.89\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.5169031\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.17052\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eFor two-way saving, women are significantly less likely than men to save via two mechanisms. Non-borrowers remain less likely to save. Formal employment (government, private, parastatal, NGO) strongly predicts two-way saving. Remittances positively affect saving diversification. Education remains a strong positive determinant. Urban residence, bank account ownership, and modern energy sources continue to support multi-saving.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec26\" class=\"Section3\"\u003e\u003ch2\u003e4.3.3 Three Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab13\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 13\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Channels in Tanzania (three way saving mechanism)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"8\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c8\" colnum=\"8\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eVariable\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eLevel\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eCoefficient\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003eStd. err.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003e[95% conf.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c8\"\u003e\u003cp\u003einterval]\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003e3\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/th\u003e\u003cth align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003esex\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003efemale\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.04127\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.037796\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-1.09\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.275\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.1153506\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.032808\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eborrowing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eno\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.26288\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.060535\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-4.34\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.381529\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.14424\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOccupation\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003efishing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-3.6507\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.710438\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-5.14\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-5.043129\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2.25826\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003egovernment\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.869585\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.082707\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e10.51\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.7074822\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.031688\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eparastatal\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e53.75307\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.713307\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e75.36\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e52.35501\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e55.15112\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eprivate sector\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.3399\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.057525\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e5.91\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.2271532\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.452647\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eNGO/religious\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.326817\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.158484\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e8.37\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.016195\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.637439\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003epaid family work\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.35229\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.110447\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-3.19\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.001\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.5687654\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.13582\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRemittances\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eyes\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.01629\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.04926\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-0.33\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.741\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.1128335\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.080262\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eeduc\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eprimary\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.102566\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.043029\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e25.62\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.018231\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.186901\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" 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colname=\"c3\"\u003e\u003cp\u003e-1.2073\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.596717\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-2.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.043\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-2.376849\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.03776\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003edon't know\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.37784\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.091192\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-4.14\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.5565719\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.19911\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eWall materials\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003epoles and mud/stones\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.709211\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.248458\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e2.85\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.004\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.2222417\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.196179\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud only\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.311193\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.251738\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e5.21\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.8177948\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.804591\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud bricks\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.474216\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.244524\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e1.94\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.052\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.0050427\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.953475\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ebaked/burnt bricks\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.492852\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.243032\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e2.03\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.043\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0165179\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.969186\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCONCRETE\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eslab, sand/cement blocks, stones\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.01752\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.243985\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-0.07\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.943\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.495722\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.460681\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-4.03707\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.033458\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-3.91\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-6.062608\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2.01153\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRoof materials\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud and grass\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-44.7346\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.71E\u0026thinsp;+\u0026thinsp;09\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-3.34E\u0026thinsp;+\u0026thinsp;09\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e3.34E\u0026thinsp;+\u0026thinsp;09\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003econcrete slab (flat roof)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.876733\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.370217\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e7.77\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.15112\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e3.602346\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eiron sheet\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.396179\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.095155\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e4.16\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.2096778\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.582679\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003easbestos sheets\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-4.37307\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.0189\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-4.29\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-6.370079\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2.37606\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e5.615492\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.188819\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e4.72\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e3.28545\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e7.945534\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFloor material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003econcrete slab\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.429445\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.142711\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e17.02\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.149736\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e2.709154\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esand/cement\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.164058\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.063746\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e18.26\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.039118\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.288997\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.855383\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.102911\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e18.03\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.65368\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e2.057085\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e3.948909\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.435557\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e9.07\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e3.095232\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e4.802586\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eResidence type\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eurban\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.145974\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.047431\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e24.16\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e1.053011\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.238938\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eBank Account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eno\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.72311\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.046334\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-37.19\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.81392\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-1.6323\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCooking source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eparaffin\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.132596\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.153985\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.86\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.389\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.1692091\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.434402\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003egas\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.534338\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.083707\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e6.38\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.3702741\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.698401\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003echarcoal\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.527393\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.055951\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e9.43\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.4177318\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.637055\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.007038\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.120853\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e8.33\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.770171\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.243905\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eLighting source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esolar\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.33842\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.05392\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-6.28\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.4441065\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.23274\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003elamp oil\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.99619\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.130863\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-7.61\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.252678\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.73971\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ecandle\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-4.85826\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.004134\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-4.84\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-6.826331\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2.8902\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etorch\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.26196\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.079813\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-15.81\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.418389\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-1.10553\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-3.68411\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.007453\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-3.66\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-5.658685\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-1.70954\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-2.77844\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.255688\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-10.87\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-3.279581\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2.2773\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eFor three-way saving, gender differences become insignificant. Non-borrowers remain less likely to save, though the effect weakens. Formal employment retains strong positive effects, while fishing and paid family work lower the probability of three-way saving. Remittances lose significance. Primary education has a strong positive effect; adult and unknown education have negative effects. Housing quality, urban residence, bank account ownership, and modern cooking fuels all increase the likelihood of three-way saving, while traditional lighting methods reduce it.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec27\" class=\"Section3\"\u003e\u003ch2\u003e4.3.4 Four Saving Mechanisms vs. Zero Saving\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab14\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 14\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eDeterminants of Multi-Saving Channels in Tanzania (four way saving mechanism)\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"8\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c7\" colnum=\"7\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c8\" colnum=\"8\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eVariable\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003eLevel\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003eCoefficient\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003eStd. err.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003ez\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eP\u0026thinsp;\u0026gt;\u0026thinsp;z\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c7\"\u003e\u003cp\u003e[95% conf.\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c8\"\u003e\u003cp\u003einterval]\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003e4\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u0026nbsp;\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eSex\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003efemale\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.33268\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.103525\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-3.21\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.001\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.5355871\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.12978\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eBorrowing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eno\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.406933\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.178665\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e2.28\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.023\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0567567\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.757109\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOccupation\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003efishing\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-3.8716\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.017784\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-3.8\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-5.866417\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-1.87678\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003egovernment\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-3.36642\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.466196\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-7.22\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-4.280143\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-2.45269\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eprivate sector\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.39866\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.154943\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-9.03\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.702348\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-1.09498\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003epaid family work\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.020773\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.175131\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.12\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.906\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.3224761\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.364023\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRemittances\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eyes\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-45.8314\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e5.86E\u0026thinsp;+\u0026thinsp;08\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e1.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.15E\u0026thinsp;+\u0026thinsp;09\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.15E\u0026thinsp;+\u0026thinsp;09\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eeduc\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eprimary\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.16994\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.110082\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-10.63\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.385699\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.95419\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esecondary\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-2.0167\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.593088\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-3.4\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.001\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-3.179126\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.85426\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eadult education\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.138569\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.015305\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.14\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.891\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.851393\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e2.128531\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003edon't know\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.0329\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.160232\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-0.21\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.837\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.3469517\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.281146\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eWall material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003epoles and mud/stones\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.849168\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.705437\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e2.62\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.009\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.4665375\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e3.231799\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud only\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.402984\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.713363\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e1.97\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.049\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.0048187\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e2.801149\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003emud bricks\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e1.230321\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.703336\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e1.75\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.080\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.1481913\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e2.608833\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003ebaked/burnt bricks\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.566806\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.708574\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e0.8\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.424\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.8219728\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.955584\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eslab, sand/cement blocks, stones\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.70705\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.718148\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-0.98\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.325\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-2.114592\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.700498\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eRoof material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eiron sheet\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.27021\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.161048\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-1.68\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.093\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.5858547\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.045443\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eFloor material\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003econcrete slab\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.74896\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e1.031405\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-1.7\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.090\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-3.770476\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.272559\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esand/cement\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.07968\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.152756\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-0.52\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.602\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-0.3790744\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.219718\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etiles\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.992792\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.216205\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e4.59\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.5690374\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e1.416546\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eResidence type\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eurban\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.251277\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.119372\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e18.86\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.017312\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e2.485243\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eBank Account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eno\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-1.80114\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.110613\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-16.28\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-2.017937\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-1.58434\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eCooking source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003egas\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e4.151072\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.222003\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e18.7\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e3.715954\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e4.586191\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003echarcoal\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2.746685\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.145445\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e18.88\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e2.461619\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e3.031751\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003eother, specify\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e6.053221\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.237136\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e25.53\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e5.588443\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e6.517999\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eLighting source\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003esolar\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e0.729844\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.137206\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e5.32\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e0.4609254\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e0.998763\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003etorch\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-0.88984\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.193045\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-4.61\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-1.268196\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-0.51147\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u0026nbsp;\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e_cons\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e-4.83761\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e0.742595\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e-6.51\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003e0.000\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c7\"\u003e\u003cp\u003e-6.29307\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c8\"\u003e\u003cp\u003e-3.38215\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eFor four-way saving, gender differences re-emerge, with women less likely to save through four mechanisms. Non-borrowers are now more likely to be four-way savers, indicating a shift toward self-financed saving. Several formal occupations now show negative coefficients, suggesting saturation effects in formal saving schemes. Primary and secondary education become negatively associated with four-way saving, indicating that high-tier diversification is driven more by experience and innovation than by schooling. Urban residence remains strongly positive, lack of a bank account remains a major barrier, and modern cooking and lighting fuels are strongly associated with the highest level of saving diversification.\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\"Sec28\" class=\"Section3\"\u003e\u003ch2\u003e4.3.5 Comparative Trajectory: Tanzania\u003c/h2\u003e\u003cp\u003e\u003cdiv class=\"gridtable\"\u003e\u003ctable float=\"Yes\" id=\"Tab15\" border=\"1\"\u003e\u003ccaption language=\"En\"\u003e\u003cdiv class=\"CaptionNumber\"\u003eTable 15\u003c/div\u003e\u003cdiv class=\"CaptionContent\"\u003e\u003cp\u003eEvolution of Determinants Across Saving Levels\u003c/p\u003e\u003c/div\u003e\u003c/caption\u003e\u003ccolgroup cols=\"6\"\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c1\" colnum=\"1\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c2\" colnum=\"2\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c3\" colnum=\"3\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c4\" colnum=\"4\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c5\" colnum=\"5\"\u003e\u003c/div\u003e\u003cdiv align=\"left\" class=\"colspec\" colname=\"c6\" colnum=\"6\"\u003e\u003c/div\u003e\u003cthead\u003e\u003ctr\u003e\u003cth align=\"left\" colname=\"c1\"\u003e\u003cp\u003eDeterminant\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c2\"\u003e\u003cp\u003e1-Way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c3\"\u003e\u003cp\u003e2-Way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c4\"\u003e\u003cp\u003e3-Way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c5\"\u003e\u003cp\u003e4-Way\u003c/p\u003e\u003c/th\u003e\u003cth align=\"left\" colname=\"c6\"\u003e\u003cp\u003eTrend Summary\u003c/p\u003e\u003c/th\u003e\u003c/tr\u003e\u003c/thead\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eGender (Female)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus; significant\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus; significant\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003ens\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus; significant\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eNon-linear; gender gap narrows then re-emerges\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eBorrowing (No)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eTransition from credit-linked to self-financed saving\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eOccupation (Formal Work)\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e++\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eShifts from enabling to saturating effect\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eEducation\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003emixed\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eDeclines at high diversification; experience overtakes schooling\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eHousing Quality\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e++\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026plusmn;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eStrong early effect, diminishing at saturation\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eUrban Residence\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e++\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e++\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e+++\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eIntensifying positive impact\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eNo Bank Account\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e\u0026minus;\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e\u0026minus;\u0026minus;\u0026minus;\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003ePersistent structural barrier\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd align=\"left\" colname=\"c1\"\u003e\u003cp\u003eModern Energy Access\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c2\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c3\"\u003e\u003cp\u003e+\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c4\"\u003e\u003cp\u003e++\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c5\"\u003e\u003cp\u003e+++\u003c/p\u003e\u003c/td\u003e\u003ctd align=\"left\" colname=\"c6\"\u003e\u003cp\u003eIncreasingly strong proxy for welfare\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/colgroup\u003e\u003ctfoot\u003e\u003ctr\u003e\u003ctd colspan=\"6\"\u003eAuthor\u0026rsquo;s computations\u003c/td\u003e\u003c/tr\u003e\u003c/tfoot\u003e\u003c/table\u003e\u003c/div\u003e\u003c/p\u003e\u003cp\u003eAcross tiers in Tanzania, gender effects are non-linear; borrowing shifts from complementarity to substitution at high tiers; occupation and education support saving at lower and middle tiers but lose strength at saturation; housing and urban residence consistently support diversification; and bank accounts and modern energy remain central enablers of multi-saving behaviour.\u003c/p\u003e\u003c/div\u003e\u003c/div\u003e"},{"header":"5. Cross-Country Discussion","content":"\u003cp\u003eThe cross-country evidence yields several overarching patterns and contrasts.\u003c/p\u003e\u003cp\u003e\u003cb\u003eStructural Determinants: Housing, Infrastructure, and Energy\u003c/b\u003e\u003c/p\u003e\u003cp\u003eIn all three countries, housing quality and infrastructure access (water and electricity) are robust predictors of saving participation and diversification. Energy sources consistently operate as proxies for welfare and modernisation. Households relying on modern energy are more likely to diversify savings, while those reliant on traditional fuels face greater constraints.\u003c/p\u003e\u003cp\u003e\u003cb\u003eFinancial Inclusion and Digital Finance\u003c/b\u003e\u003c/p\u003e\u003cp\u003eFormal financial inclusion bank or microfinance account ownership is a strong determinant of saving diversification across the region. In Kenya, mobile money is central; in Uganda, semi-formal and informal systems (SACCOs, VSLAs, ROSCAs) remain vital; and in Tanzania, bank accounts are indispensable. Financial inclusion must therefore be understood as a continuum spanning formal, digital, and community-based systems.\u003c/p\u003e\u003cp\u003eBorrowing\u0026ndash;Saving Nexus\u003c/p\u003e\u003cp\u003eBorrowing and saving exhibit a non-linear relationship: borrowing complements saving at lower tiers, but at higher tiers, non-borrowers tend to dominate, especially in Tanzania. This suggests a transition from credit-supported saving to asset-based financial independence as households move up the diversification ladder.\u003c/p\u003e\u003cp\u003eDecision-Making, Gender, and Autonomy\u003c/p\u003e\u003cp\u003eIn Kenya, decision-making autonomy strongly supports saving diversification, while parental control reduces it. In Tanzania, gender disparities appear at the lower and upper ends of saving diversification but diminish in the middle tiers. Uganda\u0026rsquo;s results, although less explicit on gender, suggest that tenure and infrastructure mediate similar dynamics of power and access.\u003c/p\u003e\u003cp\u003eOverall, multi-saving behaviour emerges where households are both enabled by infrastructure and institutions and empowered by income stability and autonomy.\u003c/p\u003e"},{"header":"6. Policy Implications","content":"\u003cp\u003eThe findings yield several policy insights for governments, regulators, and development partners in East Africa.\u003c/p\u003e\n\u003ch3\u003e1. Deepen Financial Inclusion Beyond Account Ownership\u003c/h3\u003e\n\u003cp\u003ePolicies should prioritise active and sustained usage of accounts and mobile money, not just opening them. Interventions could include low-fee accounts, interoperable platforms, and products that bundle savings, credit, and insurance.\u003c/p\u003e\n\u003ch3\u003e2. Leverage and Formalise Informal and Semi-Formal Saving Systems\u003c/h3\u003e\n\u003cp\u003eIn Uganda and parts of Tanzania, SACCOs, VSLAs, ROSCAs, and asset-based saving remain central. Policy should support their formalisation, regulation, and linkage with banks and mobile money platforms, providing a bridge between informal and formal sectors.\u003c/p\u003e\n\u003ch3\u003e3. Invest in Infrastructure, Housing, and Modern Energy\u003c/h3\u003e\n\u003cp\u003eThe strong association between saving diversification and infrastructure (water, electricity) and housing quality suggests that infrastructure and housing policies are also financial inclusion policies. Expanding piped water, electrification, and modern energy access supports both welfare and saving capacity.\u003c/p\u003e\n\u003ch3\u003e4. Address Gender Gaps and Empower Women Financially\u003c/h3\u003e\n\u003cp\u003eGender disparities call for gender-responsive financial instruments, including collateral-free loans, savings-led microfinance products for women\u0026rsquo;s groups, and targeted financial literacy programmes.\u003c/p\u003e\n\u003ch3\u003e5. Promote Financial Literacy Through Structured Channels\u003c/h3\u003e\n\u003cp\u003eThe negative association between informal advice and multi-saving in Kenya underscores the need for structured financial education via schools, community programmes, regulated providers, and digital platforms that deliver accurate, actionable information.\u003c/p\u003e\n\u003ch3\u003e6. Integrate Credit and Saving Across the Life Cycle\u003c/h3\u003e\n\u003cp\u003eSince borrowing and saving are complementary at lower tiers, financial institutions should design bundled credit\u0026ndash;saving products that encourage households to maintain savings while borrowing.\u003c/p\u003e\n\u003ch3\u003e7. Tailor Approaches to Urban and Rural Contexts\u003c/h3\u003e\n\u003cp\u003eUrban areas are hubs of multi-saving behaviour; rural strategies must address physical distance, lower incomes, and informal livelihoods by leveraging mobile money agents, community groups, and digital platforms.\u003c/p\u003e"},{"header":"7. Conclusion","content":"\u003cp\u003eThis paper has examined the determinants of multi-saving behaviour in Uganda, Kenya, and Tanzania using multinomial logistic regression and nationally representative datasets. By conceptualising saving as a multi-tiered outcome ranging from non-saving to four or more saving mechanisms the study moves beyond binary analyses and provides a richer understanding of how households engage with diverse financial instruments.\u003c/p\u003e\u003cp\u003eThe results demonstrate that saving diversification is shaped by a combination of structural, institutional, and behavioural factors: housing quality, infrastructure and energy access, formal and digital financial inclusion, borrowing behaviour, household decision-making autonomy, gender, urban residence, and economic stability. While the specific patterns differ across countries, the overall message is clear: multi-saving behaviour emerges where households are both enabled by infrastructure and institutions and empowered by income stability and autonomy.\u003c/p\u003e\u003cp\u003e\u003cb\u003eLimitations and Future Research\u003c/b\u003e\u003c/p\u003e\u003cp\u003eThe study relies primarily on cross-sectional survey data, which limits causal inference and the ability to track transitions over time. Additionally, the multinomial logit model imposes the IIA assumption and does not account for unobserved heterogeneity. Future work could use panel models or dynamic multinomial logit frameworks, explore alternative econometric models (ordered, nested, or mixed logit), incorporate qualitative evidence on motives and trust, and analyse policy experiments to assess the impact on saving diversification.\u003c/p\u003e"},{"header":"References","content":"\u003col\u003e\n\u003cli\u003eAbarcar, P., Barua, R. 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Determinants of rural household saving. International journal of health sciences. \u003c/li\u003e\n\u003c/ol\u003e"}],"fulltextSource":"","fullText":"","funders":[],"hasAdminPriorityOnWorkflow":false,"hasManuscriptDocX":true,"hasOptedInToPreprint":true,"hasPassedJournalQc":"","hasAnyPriority":true,"hideJournal":true,"highlight":"","institution":"Makerere University","isAcceptedByJournal":false,"isAuthorSuppliedPdf":false,"isDeskRejected":"","isHiddenFromSearch":false,"isInQc":false,"isInWorkflow":true,"isPdf":false,"isPdfUpToDate":true,"isWithdrawnOrRetracted":false,"journal":{"display":true,"email":"[email protected]","identity":"researchsquare","isNatureJournal":false,"hasQc":true,"allowDirectSubmit":true,"externalIdentity":"","sideBox":"","snPcode":"","submissionUrl":"/submission","title":"Research Square","twitterHandle":"researchsquare","acdcEnabled":true,"dfaEnabled":false,"editorialSystem":"","reportingPortfolio":"","inReviewEnabled":false,"inReviewRevisionsEnabled":true},"keywords":"Financial inclusion, Digital payments, Multi-Saving Behaviour, Kenya national financial inclusion survey, Tanzania National Panel Survey, Uganda National Household Survey , East Africa, Uganda, Kenya, Tanzania","lastPublishedDoi":"10.21203/rs.3.rs-8179754/v1","lastPublishedDoiUrl":"https://doi.org/10.21203/rs.3.rs-8179754/v1","license":{"name":"CC BY 4.0","url":"https://creativecommons.org/licenses/by/4.0/"},"manuscriptAbstract":"\u003cp\u003eHousehold saving is central to financial resilience and long-term development, yet most empirical work treats saving as a binary outcome whether a household saves or not without recognising the diversity of saving channels available in African financial ecosystems. This paper models saving as a multi-tiered behaviour, capturing the number of distinct mechanisms a household uses to save. Using nationally representative data from Uganda, Kenya, and Tanzania, the study applies multinomial logistic regression to estimate the determinants of saving through one, two, three, and four or more mechanisms, relative to non-saving.\u003c/p\u003e\u003cp\u003eThe analysis incorporates demographic, socioeconomic, financial inclusion, infrastructural, and housing variables, including tenure, floor and roof materials, water and energy access, borrowing history, mobile money and bank account usage, household decision-making, and indicators of economic stability. Results show that multi-saving behaviour is strongly associated with housing quality and infrastructure, financial inclusion, borrowing status, urban residence, and decision-making autonomy. In Uganda, saving diversification is closely linked to housing quality and basic infrastructure, with informal and semi-formal channels (SACCOs, VSLAs, ROSCAs, and asset-based saving) remaining central. In Kenya, digital finance especially mobile money combined with economic stability and joint financial decision-making, drives progressive saving diversification. In Tanzania, urbanisation, modern energy access, and formal employment structures are key, while bank account ownership remains an indispensable gateway to multi-channel saving.\u003c/p\u003e\u003cp\u003eAcross the three countries, the findings highlight consistent structural drivers of saving diversification and reveal non-linear patterns in gender and borrowing effects as households transition from credit-supported to asset-based saving at higher tiers. Policy implications include the need to deepen financial inclusion beyond account opening, link formal and informal saving systems, invest in infrastructure and modern energy, and promote gender-responsive and autonomy-enhancing financial interventions.\u003c/p\u003e","manuscriptTitle":"Household Determinants of Multi-Saving Behaviour in East Africa: Evidence from Uganda, Kenya, and Tanzania","msid":"","msnumber":"","nonDraftVersions":[{"code":1,"date":"2025-11-25 10:13:35","doi":"10.21203/rs.3.rs-8179754/v1","editorialEvents":[{"type":"communityComments","content":0}],"status":"published","journal":{"display":true,"email":"[email protected]","identity":"researchsquare","isNatureJournal":false,"hasQc":true,"allowDirectSubmit":true,"externalIdentity":"","sideBox":"","snPcode":"","submissionUrl":"/submission","title":"Research Square","twitterHandle":"researchsquare","acdcEnabled":true,"dfaEnabled":false,"editorialSystem":"","reportingPortfolio":"","inReviewEnabled":false,"inReviewRevisionsEnabled":true}}],"origin":"","ownerIdentity":"e05ad63f-4a64-4643-b4fb-3146f8d777a3","owner":[],"postedDate":"November 25th, 2025","published":true,"recentEditorialEvents":[],"rejectedJournal":[],"revision":"","amendment":"","status":"posted","subjectAreas":[{"id":58430020,"name":"Behavioral Economics"}],"tags":[],"updatedAt":"2025-11-25T10:13:35+00:00","versionOfRecord":[],"versionCreatedAt":"2025-11-25 10:13:35","video":"","vorDoi":"","vorDoiUrl":"","workflowStages":[]},"version":"v1","identity":"rs-8179754","journalConfig":"researchsquare"},"__N_SSP":true},"page":"/article/[identity]/[[...version]]","query":{"redirect":"/article/rs-8179754","identity":"rs-8179754","version":["v1"]},"buildId":"8U1c8b4HqxoKbykW_rLl7","isFallback":false,"isExperimentalCompile":false,"dynamicIds":[84888],"gssp":true,"scriptLoader":[]}