Multilevel mixed-effect logistic regression examining the relationship between water need, perceived SES, water-related failures in water quality, availability, market supply, and access, and seasonality in predicting water borrowing. Notes: Model adjusted for all covariates listed and urbanicity of site, sex of household head, whether the primary drinking water source was improved or not, whether household had 5 L or more per person in drinking water stored, age, and age-squared. Robust standard errors nested within sites. n = 4417 in 21 sites. Ref: reference category. Full model in Table 2, Model 6.