Table 4.

Mediation effect of guardian’s saving

	Beck Hopelessness Scale				Tennessee Self-Concept Scale				Adolescent's confidence in educational plans
	Reported saving		Reported amount saved		Reported saving		Reported amount saved		Reported saving		Reported amount saved
	B coef	95% CI	B coef	95% CI	B coef	95% CI	B coef	95% CI	OR	95% CI	OR	95% CI
Change in mediator from Wave 1 to Wave 2	0.20	[−0.3; 0.7]	0.02	[−0.0; 0.1]	−0.55	[−1.9; 0.8]	−0.06	[−0.2; 0.0]	1.019	[0.77; 1.35]	1	[0.979; 1.021]
Marginal intervention effect at Wave 3	−1.50***	[−2.3; −0.7]	−1.50***	[−2.3; −0.7]	2.77*	[0.0; 5.5]	2.77*	[0.0; 5.5]	2.264**	[1.27; 4.04]	2.265**	[1.270; 4.039]
Adolescent's age	0.14	[−0.0; 0.3]	0.14	[−0.0; 0.3]	−0.77*	[−1.4; −0.1]	−0.76*	[−1.4; −0.1]	1.093	[0.1; 1.21]	1.093	[0.991; 1.207]
Adolescent's gender (base: male)	−0.75**	[−1.3; −0.3]	−0.76**	[−1.3; −0.3]	1.28	[−0.3; 2.9]	1.29	[−0.3; 2.9]	1.060	[0.82; 1.4]	1.060	[0.818; 1.374]
Family cohesion	−0.45*	[−0.9; −0.0]	−0.45*	[−0.9; −0.0]	4.94***	[3.4; 6.4]	4.94***	[3.4; 6.4]	1.116	[0.87; 1.43]	1.116	[0.873; 1.427]
School fixed effects
School 1	0.66	[−0.4; 1.7]	0.65	[−0.4; 1.7]	−0.59	[−4.7; 3.5]	−0.55	[−4.6; 3.6]	1.097	[0.57; 2.1]	1.103	[0.577; 2.108]
School 2	0.01	[−0.9; 0.9]	0.02	[−0.9; 0.9]	−0.54	[−3.3; 2.3]	−0.57	[−3.4; 2.2]	2.195**	[1.29; 3.75]	2.187**	[1.280; 3.734]
School 3	−0.09	[−1.0; 0.8]	−0.08	[−0.9; 0.8]	0.01	[−2.9; 2.9]	−0.02	[−2.9; 2.9]	1.675*	[1.03; 2.7]	1.666*	[1.027; 2.702]
School 4	−0.27	[−1.5; 1.0]	−0.26	[−1.5; 1.0]	1.01	[−2.8; 4.8]	0.99	[−2.8; 4.7]	1.028	[0.65; 1.6]	1.028	[0.646; 1.635]
School 6	0.77	[−0.2; 1.7]	0.77	[−0.2; 1.7]	−4.17*	[−7.7; −0.6]	−4.19*	[−7.8; −0.6]	0.512*	[0.3; 0.87]	0.509*	[0.300; 0.864]
School 7	1.36*	[0.3; 2.4]	1.34*	[0.3; 2.4]	−6.27***	[−9.9; −2.7]	−6.23***	[−9.8; −2.6]	0.437**	[0.26; 0.75]	0.437**	[0.257; 0.745]
School 8	1.12	[−0.1; 2.3]	1.10	[−0.1; 2.3]	−3.76	[−7.5; 0.0]	−3.68	[−7.5; 0.1]	0.590	[0.33; 1.07]	0.591	[0.326; 1.072]
School 9	0.48	[−0.5; 1.4]	0.49	[−0.5; 1.4]	−3.87*	[−7.2; −0.5]	−3.88*	[−7.2; −0.6]	1.029	[0.6; 1.8]	1.028	[0.600; 1.761]
Constant	4.73**	[1.6; 7.8]	4.75**	[1.6; 7.9]	73.34***	[62.1; 84.6]	73.27***	[62.0; 84.5]	0.596	[0.11; 3.25]	0.591	[0.108; 3.223]
Observations	959		959		959		959		832		832
Number of adolescent ID	334		334		334		334		325		325

^***p<0.001,

^**p<0.01,

^*p<0.05. Boldface type indicates statistically significant results.