Table 3 Overview of sample composition...

Table 3

Overview of sample composition

	Total	Percentage (%)		Total	Percentage (%)
Items	Sex		Items	Household loan user
Male	178	37.01	Yes	243	50.31
Female	303	62.99	No	236	48.86
Age			Housing loan user
19 and less	83	17.18	Yes	117	24.22
20	174	36.02	No	363	75.16
21	78	16.15	Consumer loan user
22	54	11.18	Yes	103	21.33
23	43	8.90	No	380	78.67
24	26	5.38	Household – home owner
25	17	3.52	Yes	455	94.20
26 and more	8	1.66	No	15	3.11
No. of people in the household			Household – home acquisition
2	35	7.25	Credit	184	38.10
3	73	15.11	Cash	133	27.54
4	186	38.51	Heritage	141	29.19
5	111	22.98	Unpleasant financial situation (past five years)
6	30	6.21	Yes	136	28.16
7	18	3.73	No	340	70.39
8 and more	5	1.04	Total household average income
Missing	25	5.18	15,538.74 HRK
Mother’s education			Father’s education
Primary	18	3.73	Primary	17	3.52
Secondary	267	55.28	Secondary	274	56.73
Bachelor’s degree	122	25.26	Bachelor’s degree	112	23.19
Master’s degree	64	13.25	Master’s degree	67	13.87
Doctorate	12	2.48	Doctorate	13	2.69
Average mothers’ age			Average fathers’ age
49.98			52.74

	Total	Percentage (%)		Total	Percentage (%)
Items	Sex		Items	Household loan user
Male	178	37.01	Yes	243	50.31
Female	303	62.99	No	236	48.86
Age			Housing loan user
19 and less	83	17.18	Yes	117	24.22
20	174	36.02	No	363	75.16
21	78	16.15	Consumer loan user
22	54	11.18	Yes	103	21.33
23	43	8.90	No	380	78.67
24	26	5.38	Household – home owner
25	17	3.52	Yes	455	94.20
26 and more	8	1.66	No	15	3.11
No. of people in the household			Household – home acquisition
2	35	7.25	Credit	184	38.10
3	73	15.11	Cash	133	27.54
4	186	38.51	Heritage	141	29.19
5	111	22.98	Unpleasant financial situation (past five years)
6	30	6.21	Yes	136	28.16
7	18	3.73	No	340	70.39
8 and more	5	1.04	Total household average income
Missing	25	5.18	15,538.74 HRK
Mother’s education			Father’s education
Primary	18	3.73	Primary	17	3.52
Secondary	267	55.28	Secondary	274	56.73
Bachelor’s degree	122	25.26	Bachelor’s degree	112	23.19
Master’s degree	64	13.25	Master’s degree	67	13.87
Doctorate	12	2.48	Doctorate	13	2.69
Average mothers’ age			Average fathers’ age
49.98			52.74

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