Table 1.
Key characteristics of the indebted households and their indebtedness
| Key variables | Urban n = 24 | Rural n = 23 | All n = 47 |
|---|---|---|---|
| Male-headed households (%) |
16 (67) |
16 (70) |
32 (68) |
| Mean number of household members (SD) |
4.5 (1.8) |
6.1 (2.2) |
5.3 (2.2) |
| Mean number of dependents (SD) |
2.8 (1.5) |
4.2 (2.1) |
3.5 (1.9) |
|
Households by main source of income (%) |
|
|
|
| Farming |
0 |
20 (87) |
20 (43) |
| Casual labourer |
11 (46) |
1 (4) |
12 (26) |
| Small business |
9 (38) |
0 |
9 (19) |
| Other sources |
4 (17) |
0 |
4 (8) |
| No income |
0 |
2 (9) |
2 (4) |
|
Households by socio-economic status (%) |
|
|
|
| Very poor |
10 (42) |
7 (30) |
17 (36) |
| Poor |
13 (54) |
15 (65) |
28 (60) |
| Near-poor |
1 (4) |
1 (4) |
2 (4) |
| Median (mean) of total debt in US$ |
138 (516) |
70 (211) |
125 (367) |
| Median (mean) number of outstanding loans |
2 (2.7) |
1 (1.8) |
2 (2.3) |
| Median (mean) rate of monthly interests in % |
10 (11) |
7.0 (23.4) |
10 (17) |
|
Main sources of debt (%) |
|
|
|
| Money lenders |
15 (63) |
10 (44) |
25 (53) |
| Relatives/friends/neighbours |
4 (17) |
9 (39) |
13 (28) |
| Microfinance organisations |
3 (13) |
1 (4) |
4 (9) |
| Banks |
1 (4) |
2 (9) |
3 (6) |
| Others | 1 (4) | 1 (4) | 2 (4) |
SD = standard deviation.