| Variable |
Savings account ownership |
| Borrowed |
0.712
(2.29)** |
| Formal sector worker |
0.327
(5.80)*** |
| Log income |
0.064
(4.47)*** |
| Dependents |
-0.052
(-2.01)** |
| Age |
0.004
(2.08)** |
| Urban |
0.305
(5.71)*** |
| Bargaining power |
2.152
(6.59)*** |
| Sqr of Bargaining power |
-2.454
(-4.48)*** |
| Male |
0.317
(1.60) |
| Household size |
.305
(5.71)*** |
| Religion (Base= No religion) |
|
| Christian |
0.318
(3.86)*** |
| Muslim |
0.132
(1.34) |
| Traditional |
-.044
(-0.40) |
| Region (Base= Upper West) |
|
| Western |
0.181
(1.45) |
| Central |
0.108
(0.80) |
| Greater Accra |
-0.079
(-0.63) |
| Volta |
0.120
(0.93) |
| Eastern |
0.285
(2.28)** |
| Ashanti |
0.399
(3.42)*** |
| Brong Ahafo |
0.472
(3.78)*** |
| Northern |
-.103
(-.103) |
| Upper East |
.071
(0.52) |
| Constant |
-2.435
(-9.21)*** |
|