Table 12.

Logit model estimation.

Variables	Coefficient	Standard error	Z-value	p > Z	[95% Confidence interval]		Marginal effects
Area of residence	0.1,110	0.0177	6.2600	0.0000	0.0762	0.1457	0.0276649
Educational level	0.0974	0.0034	29.0600	0.0000	0.0909	0.1,040	0.0243091
Age	−0.0629	0.0103	−6.0800	0.0000	−0.0832	−0.0426	−0.0157034
Family income	0.7442	0.0144	51.6400	0.0000	0.7160	0.7,725	0.1857087
Gender	−0.0533	0.0196	−2.7200	0.0070	−0.0918	−0.0148	−0.0133154
Marital status	−0.0321	0.0078	−4.1300	0.0000	−0.0474	−0.0169	−0.0080221
Social status	−0.2257	0.0183	−12.3600	0.0000	−0.2615	−0.1899	−0.056066
Title deed	−0.1243	0.0156	−7.9800	0.0000	−0.1548	−0.0938	−0.0310105
Constant	−1.0114	0.0589	−17.1800	0,0000	−1.1268	−0.8960	–
Logistic regression			Number of obs		=	81,441
Log likelihood = −52,564 694			LR chi2(8)		=	7482,93
Marginal effects after logit			Prob > chi2		=	0.0000
y = Pr(Financial Inclusion) (predict)			Pseudo R2		=	0.2664
= 0.47829833