Demographic and socio-economic characteristics of respondents by business type
| Continuous covariates | Registered (n = 193) | Unregistered (n = 182) | |
|---|---|---|---|
| Mean (S.D.) | Mean (S.D.) | t-test | |
| Women – owners’ age in years | 30.44 (8.08) | 29.07 (8.78) | 1.57 |
| Number of dependents | 1.73 (1.52) | 1.52 (1.32) | 1.41 |
| Days per week worked | 5.74 (0.99) | 5.01 (1.65) | 5.25*** |
| Hours per day worked | 9.42 (1.84) | 8.62 (2.16) | 3.83*** |
| Micro-business age in years | 5.14 (2.74) | 5.19 (3.39) | 0.182 |
| Entrepreneurial experience in years | 3.16 (3.66) | 3.52 (3.89) | 0.94 |
| Discreet covariates | % | % | χ2–test |
| Educational attainment | |||
| Illiterate | 6.22 | 36.26 | 65.15*** |
| Completed 1–8 years | 35.23 | 32.42 | |
| Completed 9–12 years | 31.61 | 23.08 | |
| One to two years of skill training | 10.88 | 1.10 | |
| Diploma | 9.84 | 5.49 | |
| Degree and above | 6.22 | 1.65 | |
| Marital status | |||
| Married | 73.06 | 60.44 | 7.51* |
| Unmarried | 20.21 | 31.32 | |
| Divorced | 3.63 | 5.49 | |
| Widowed | 3.11 | 2.75 | |
| Credit usage | |||
| Yes | 18.65 | 7.69 | 9.74*** |
| No | 81.35 | 92.31 | |
| A member of the family who works for pay or compensation | |||
| Yes | 27.98 | 16.48 | 7.12*** |
| No | 72.02 | 83.52 | |
| Saving | |||
| Yes | 64.29 | 59.07 | 1.07 |
| No | 35.71 | 40.93 | |
| Income received by women from other sources | |||
| Yes | 29.53 | 21.98 | 2.79* |
| No | 70.47 | 78.02 | |
| Continuous covariates | Registered ( | Unregistered ( | |
|---|---|---|---|
| Mean (S.D.) | Mean (S.D.) | ||
| Women – owners’ age in years | 30.44 (8.08) | 29.07 (8.78) | 1.57 |
| Number of dependents | 1.73 (1.52) | 1.52 (1.32) | 1.41 |
| Days per week worked | 5.74 (0.99) | 5.01 (1.65) | 5.25*** |
| Hours per day worked | 9.42 (1.84) | 8.62 (2.16) | 3.83*** |
| Micro-business age in years | 5.14 (2.74) | 5.19 (3.39) | 0.182 |
| Entrepreneurial experience in years | 3.16 (3.66) | 3.52 (3.89) | 0.94 |
| Discreet covariates | % | % | |
| Illiterate | 6.22 | 36.26 | 65.15*** |
| Completed 1–8 years | 35.23 | 32.42 | |
| Completed 9–12 years | 31.61 | 23.08 | |
| One to two years of skill training | 10.88 | 1.10 | |
| Diploma | 9.84 | 5.49 | |
| Degree and above | 6.22 | 1.65 | |
| Married | 73.06 | 60.44 | 7.51* |
| Unmarried | 20.21 | 31.32 | |
| Divorced | 3.63 | 5.49 | |
| Widowed | 3.11 | 2.75 | |
| Yes | 18.65 | 7.69 | 9.74*** |
| No | 81.35 | 92.31 | |
| Yes | 27.98 | 16.48 | 7.12*** |
| No | 72.02 | 83.52 | |
| Yes | 64.29 | 59.07 | 1.07 |
| No | 35.71 | 40.93 | |
| Yes | 29.53 | 21.98 | 2.79* |
| No | 70.47 | 78.02 | |
Notes:
S.D. = Standard deviations, n = sample size, ***, ** and * are levels of significance at 1, 5 and 10%
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