Description of explanatory variables
| Variables | Abbreviation | Operational definition and measurement | Literature |
|---|---|---|---|
| Age of household head | Age | Represents the age of the head of the household in complete years | Antil et al. (2022) |
| SHG membership of family members | SHGM | Represents whether any member of the household is associated with a self-help group (SHG) or not. It is measured through a dummy variable, 1 if any members of the household are associated with the SHG and 0 otherwise | Chinngaihlian and Chavan (2022) |
| Employment type of household head | Employment | Represents whether the head of the household has a permanent or temporary source of employment. It is captured through a dummy variable, 1 if the employment status of the household head is permanent and 0 otherwise | Badar et al. (2020) |
| Education (in complete years) | Education | Represents the total educational level attained by the head of the household from a formal educational institution, measured in complete years | Zins and Weill (2016) |
| Distance to nearest bank (in KM) | Distance | Shows the distance of the household from the nearest financial institution/bank branch, measured in kilometres (KM) | Kumar and Ahuja (2024), Nayak et al. (2024) |
| Income (in Rupees) | Income | Represents the total monthly income of the household, measured in Indian Rupees | Damayanthi (2022) |
| Gender of household head | Gender | Represents the gender of the household head. It is measured through a dummy variable, 1 if any head of the household is a male person and 0 otherwise | Khushboo and Pradhan (2024) |
| Religion of the household | Religion | Represents the religious affiliation of the household head. It is captured through a dummy variable, 1 if the households belong to Hindu community and 0 otherwise | Ghosh (2020) |
| Variables | Abbreviation | Operational definition and measurement | Literature |
|---|---|---|---|
| Age of household head | Age | Represents the age of the head of the household in complete years | |
| SHG membership of family members | SHGM | Represents whether any member of the household is associated with a self-help group (SHG) or not. It is measured through a dummy variable, 1 if any members of the household are associated with the SHG and 0 otherwise | |
| Employment type of household head | Employment | Represents whether the head of the household has a permanent or temporary source of employment. It is captured through a dummy variable, 1 if the employment status of the household head is permanent and 0 otherwise | |
| Education (in complete years) | Education | Represents the total educational level attained by the head of the household from a formal educational institution, measured in complete years | |
| Distance to nearest bank (in KM) | Distance | Shows the distance of the household from the nearest financial institution/bank branch, measured in kilometres (KM) | |
| Income (in Rupees) | Income | Represents the total monthly income of the household, measured in Indian Rupees | |
| Gender of household head | Gender | Represents the gender of the household head. It is measured through a dummy variable, 1 if any head of the household is a male person and 0 otherwise | |
| Religion of the household | Religion | Represents the religious affiliation of the household head. It is captured through a dummy variable, 1 if the households belong to Hindu community and 0 otherwise |
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