Table 4 Differential effects of local digital lending development for rural and urban dwellers
From: Local digital lending development and the incidence of deprivation in Kenya
| Â | (1) | (2) |
|---|---|---|
| Â | Food deprivation | Health deprivation |
Urban | − 0.274*** | − 0.344*** |
| Â | (0.095) | (0.089) |
Rural | − 0.437*** | − 0.400*** |
| Â | (0.100) | (0.086) |
Regional variance (\(\sigma_{u}^{2}\)) | 0.084*** | 0.062*** |
| Â | (0.017) | (0.010) |
ICC | 0.077 | 0.058 |
Year dummy | Yes | Yes |
Controls | Yes | Yes |
No. of observations | 16,176 | 16,167 |
Number of regions | 46 | 46 |