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Post-estimation VIF test
| Variables | VIF |
|---|---|
| X1. Gender | 1.111531 |
| X2. Rural | 1.218682 |
| X3. Received loans | 4.090211 |
| X4. Seniority | 4.764794 |
| X5. Age | 1.079317 |
| X6. Average loans term | 1.841376 |
| X7. Average loan | 3.169891 |
| X8. Total received amount | 4.565030 |
| X9. Accumulated savings | 2.447600 |
| Z1. Current capital | 4.941217 |
| Z2. Initial capital | 1.321156 |
| Z3. Current female percent | 2.202914 |
| Z4. Initial females percent | 2.088687 |
| Z5. Group life | 3.957181 |
| Z6. Current members | 3.863196 |
| Z7. Initial members | 1.542326 |
