Table 2.

Variables considered in the study

Code	Description	Possible values
X1. Gender	User’s gender	Female
		Male
X2. Rural	Whether group area is rural or not	Yes
		No
X3. Received loans	User’s number of previously received loans	Discrete variable
X4. Seniority	User’s number of months in the group	Discrete variable
X5. Age	User’s age measured in years	Discrete variable
X6. Average loan term	Average term of all the loans the user has had in the past measured in months	Discrete variable
X7. Average loan	Average amount ($) of all the loans the user has had in the past	Continuous variable
X8. Total received amount	Total amount ($) that the user has borrowed in the past	Continuous variable
X9. Accumulated savings	User’s accumulated savings ($)	Continuous variable
Z1. Current capital	Group capital at data extraction ($)	Continuous variable
Z2. Initial capital	Group capital at founding ($)	Continuous variable
Z3. Current female percent	Group percentage of females at data extraction	0–1
Z4. Initial female percent	Group percentage of females at group founding	0–1
Z5. Group life	Group life measured in months	Discrete variable
Z6. Current members	Group number of members at data extraction	Discrete variable
Z7. Initial members	Group number of members at group founding	Discrete variable