Table 4.
User descriptives by NPL behaviour
| NPL behaviour | Min | Mean | Median | Max | SD | |
|---|---|---|---|---|---|---|
| X6. Average loan term (months) | NPL = 0 | 1.00 | 5.55 | 4.75 | 60.00 | 3.55 |
| NPL = 1 | 1.00 | 7.26 | 6.00 | 52.00 | 5.25 | |
| X7. Average loan | NPL = 0 | $5.00 | $344.50 | $250.00 | $6573.30 | $354.39 |
| NPL = 1 | $44.78 | $421.30 | $302.33 | $4062.50 | $374.48 | |
| X8. Total received amount | NPL = 0 | $5.00 | $2032.00 | $1174.00 | $72,233.00 | $2837.39 |
| NPL = 1 | $94.00 | $2841.40 | $2056.00 | $35,048.00 | $2913.79 | |
| X9. Accumulated savings | NPL = 0 | $0.00 | $342.90 | $235.00 | $9430.00 | $411.19 |
| NPL = 1 | $0.00 | $336.90 | $267.50 | $2130.00 | $259.88 |