Table 3. Borrower’s attitude to... | Emerald Publishing

Table 3.

Borrower’s attitude to educational loans: gender differences

	Model I (student loan stress)			Model II (student loan worries)
	Coef.	Robust Std. Err.	Odds ratio	Coef.	Robust Std. Err.	Odds ratio
Control group	Ref. cat.			Ref. cat.
Experimental group 1	0.283	0.196	1.33	0.372*	0.187	1.45
Experimental group 2	0.429*	0.189	1.54	0.471*	0.196	1.60
Gender (= 1 female)	−0.588***	0.159	0.56	−0.599***	0.157	0.55
Academic ability	0.000	0.105	1.00	−0.056	0.106	0.95
Majors (= 1 finance and Accounting)	0.194	0.258	1.21	0.594*	0.254	1.81
/cut1	−1.724	0.723	−1.72	−2.198	0.731	−2.20
/cut2	−0.454	0.715	−0.45	−1.116	0.727	−1.12
/cut3	0.837	0.712	0.84	0.032	0.726	0.03
/cut4	1.847	0.721	1.85	1.136	0.729	1.14
/cut5	2.996	0.736	3.00	1.956	0.733	1.96
/cut6	4.469	0.832	4.47	3.495	0.823	3.50
Number of obs.	525			525
Wald chi²(5)	19.66**			24.00***
Pseudo R²	0.011			0.014
Log pseudolikelihood	−871.685			−919.218

	Model I (student loan stress)			Model II (student loan worries)
	Coef.	Robust Std. Err.	Odds ratio	Coef.	Robust Std. Err.	Odds ratio
Control group	Ref. cat.			Ref. cat.
Experimental group 1	0.283	0.196	1.33	0.372*	0.187	1.45
Experimental group 2	0.429*	0.189	1.54	0.471*	0.196	1.60
Gender (= 1 female)	−0.588***	0.159	0.56	−0.599***	0.157	0.55
Academic ability	0.000	0.105	1.00	−0.056	0.106	0.95
Majors (= 1 financeand Accounting)	0.194	0.258	1.21	0.594*	0.254	1.81
/cut1	−1.724	0.723	−1.72	−2.198	0.731	−2.20
/cut2	−0.454	0.715	−0.45	−1.116	0.727	−1.12
/cut3	0.837	0.712	0.84	0.032	0.726	0.03
/cut4	1.847	0.721	1.85	1.136	0.729	1.14
/cut5	2.996	0.736	3.00	1.956	0.733	1.96
/cut6	4.469	0.832	4.47	3.495	0.823	3.50
Number of obs.	525			525
Wald chi²(5)	19.66**			24.00***
Pseudo R²	0.011			0.014
Log pseudolikelihood	−871.685			−919.218

Notes: ***p < 0.001; **p < 0.01; *p < 0.05

Source: Author’s elaboration