Table 3.
FVI Compiler Variable Score. This table report the compiler variable score from 0 to 1 to show the correlation of variable explains the financial vulnerable from SNRT-BI 2016 and 2017. Higher score reflects better or important those variables explains the dependent. DEBT is total debt’s own; ARREARS is total arears in one month, BUDGETING SKILLS is ratio expenditure to total income, FINANCIAL RESILIENCE is total deposits or saving owned by household, and SOCIAL EXCLUSION is total expenditure for social activities. MEETING ENDS is perception of household to inability meet basic needs. DEBT SOLVENCY; inability to pay debt. PERCEPTION OF INCOME SHOCK: perception of household’s saving to meet basic needs. PERCEPTION OF EXPENDITURE; the ability of household to finance the unexpected expenditure. PERCEPTION OF CHANGE INCOME CONDITIONS RELATIVE OF LAST YEAR: perception the income level of household relative to last year.
| Vulnerability Index Compiler Variables | SNRT 2016 | SNRT 2017 |
|---|---|---|
| Objective Approach | ||
| Debt | 0.043 | 0.037 |
| Arrears | 0.148 | 0.131 |
| Budgeting Skills | 0.655 | 0.661 |
| Financial Resilience | 0.790 | 0.788 |
| Social Exclusion | 0.538 | 0.550 |
| Subjective Approach | ||
| Meeting Ends | 0.795 | 0.763 |
| Debt Solvency | 0.706 | 0.673 |
| Perception of Income shock | 0.675 | 0.724 |
| Perception of Expenditure shockl | 0.626 | 0.671 |
| Perception of change income conditions Relative of last year | – | 0.448 |