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Financial Innovation

Table 10 Interaction between local digital lending development and location in rural areas

From: Local digital lending development and the incidence of deprivation in Kenya

 

(1)

(2)

 

Food deprivation

Health deprivation

Rural

0.447***

0.165

 

(0.145)

(0.123)

Local digital lending

− 0.967***

− 1.191***

 

(0.326)

(0.312)

Rural # local digital lending

− 0.555**

− 0.163

 

(0.237)

(0.196)

Constant

1.710

1.372

 

(2.681)

(1.900)

Regional variance (\(\sigma_{u}^{2}\))

0.084***

0.062***

 

(0.017)

(0.010)

ICC

0.077

0.058

Year dummy

Yes

Yes

Controls

Yes

Yes

Observations

16,176

16,167

Number of groups

46

46

  1. Dependent variables are food and health deprivation
  2. The Table reports coefficient estimates. Standard errors are adjusted for via cluster bootstrapping with 400 replications. Robust standard errors are in parentheses
  3. ***p < 0.01, **p < 0.05, *p < 0.1
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