Table 2. Bank Account Savings Outcomesa.
| Variable | Control Group | Intervention Group | Unadjusted Model, Odds Ratio (95% CI) or Linear Estimate β (SE)b |
Adjusted Model, Odds Ratio (95% CI) or Linear Estimate β (SE)b |
Adjusted and Transformed Model, Linear Estimate β (SE)c |
||
|---|---|---|---|---|---|---|---|
| No./Total No. (%) | Mean (95% CI) | No./Total No. (%) | Mean (95% CI) | ||||
| Binary Outcome: Ever Saved | |||||||
| Full sample (n = 270) | 37/136 (27.2) | NA | 50/134 (37.3) | NA | 1.62 (0.96 to 2.74) | 1.61 (0.93 to 2.80) | NA |
| High risk at baseline (n = 130)d | 15/63 (23.8) | NA | 19/67 (28.4) | NA | 1.27 (0.58 to 2.79) | 1.51 (0.66 to 3.46) | NA |
| No bank savings at baseline e | 20/94 (21.3) | NA | 28/84 (33.3) | NA | 1.85 (0.94 to 3.62) | 1.85 (0.92 to 3.71) | NA |
| Occupation: fishing (n = 135) | 18/72 (25.0) | NA | 29/63 (46.0) | NA | 2.56 (1.23 to 5.31)f | 2.50 (1.18 to 5.32)f | NA |
| Occupation: transportation (n = 135) | 16/64 (25.0) | NA | 18/71 (25.4) | NA | 1.01 (0.47 to 2.23) | 0.99 (0.44 to 2.23) | NA |
| Continuous Outcome: Total Amount Saved, US $ | |||||||
| Full sample (n = 270) | NA | 4.87 (0.67 to 9.00) | NA | 10.26 (5.00 to 58.20) | 5.39 (5.46) | 5.68 (5.84) | 0.39 (0.21) |
| High risk at baseline (n = 130)d | NA | 3.85 (0.40 to 7.30) | NA | 3.06 (−0.40 to 6.50) | −0.80 (2.44) | −0.74 (2.78) | 0.11 (0.31) |
| No bank savings at baseline (n = 178)e | NA | 2.07 (0.10 to 4.00) | NA | 12.73 (−3.00 to 28.40) | 10.66 (7.96) | 10.78 (8.12) | 0.57 (0.23)f |
| Occupation: fishing (n = 135) | NA | 7.05 (−0.70 to 14.80) | NA | 16.28 (−4.80 to 37.30) | 9.22 (11.21) | 8.89 (10.97) | 0.65 (0.31)f |
| Occupation: transportation (n = 135) | NA | 2.44 (0.07 to 4.80) | NA | 4.93 (1.50 to 8.30) | 2.50 (2.07) | 2.46 (2.20) | 0.18 (0.27) |
| Continuous Outcome: Total Amount Saved If Savings >US $0 | |||||||
| Full sample (n = 81) | NA | 21.32 (5.20 to 37.40) | NA | 30.40 (2.90 to 58.80) | 9.53 (16.00) | 7.95 (13.82) | 0.26 (0.33) |
| High risk at baseline (n = 34)d | NA | 18.70 (6.30 to 31.10) | NA | 14.70 (5.70 to 23.70) | −3.98 (7.19) | −6.62 (9.21) | −0.66 (0.55) |
| No bank savings at baseline (n = 48)e | NA | 11.90 (3.90 to 19.90) | NA | 38.40 (−9.20 to 86.00) | 26.47 (23.60) | 23.74 (21.75) | 0.46 (0.43) |
| Occupation: fishing (n = 47) | NA | 29.60 (−0.90 to 60.20) | NA | 37.30 (−8.50 to 83.10) | 7.67 (26.66) | 6.85 (25.12) | 0.15 (0.47) |
| Occupation: transportation (n = 34) | NA | 12.00 (3.90 to 20.00) | NA | 20.50 (9.40 to 31.50) | 8.49 (6.46) | 10.32 (9.11) | 0.46 (0.47) |
Abbreviation: NA, not applicable.
Savings outcomes are from administrative bank data showing account balances at the end of each week. Analyses include all participants who registered for a bank account. Adjusted differences are coefficients from a linear regression of the outcome on treatment status, adjusting for baseline characteristics (age, marital status, less than complete primary education, occupation [fishing or transportation], weekly earnings, and had bank account at baseline).
Odds ratios (95% CIs) are given for the binary outcome and linear estimate β (SEs) for the continuous outcomes.
Data were transformed to reduce the spread in the right tail for the continuous outcome (total saved) using the inverse hyperbolic sine transformation.
High-risk men are those who reported any transactional sex in the past 6 months at baseline.
This includes those with no bank account at baseline.
P < .05.