Table 7 Definition of variables employed for the study
From: Local digital lending development and the incidence of deprivation in Kenya
Variable | Description |
|---|---|
Food deprivation | 1 if any member of the household has often or sometimes gone without food |
Health deprivation | 1 if any member of the household has often or sometimes gone without medicine or medical treatment |
Age | Age of respondent |
Female | 1 if the respondent is female |
At least secondary education | 1 is respondent has at least secondary education |
Household size | Total number of household members |
Rural | 1 if the respondent resides in a rural area |
Income | Monthly income of respondent in Kenyan shilling |
Bank account | 1 if respondent currently has savings or post bank, or current account with the bank |
Mobile finance account | 1 if respondent current has mobile money or mobile banking account |
Mobile phone | I if respondent owns a mobile phone |
Wealth score | Index capturing household access to amenities (variables include habitable rooms; Toilet; water source; lighting; and cooking fuel) |
Habitable rooms | 1 if the number of habitable rooms in the household is more than 3 |
Toilet | 1 if the main type of toilet facility is a flush toilet |
Water source | 1 if water is piped into dwelling/plots or yard |
lighting | 1 if the source of lighting is electricity or Solar |
Cooking fuel | 1 if the source of cooking fuel is electricity or Gas/LPG |
Formal loans | 1 if respondent currently or used to have loans from banks and microfinance institutions |
Other loans | 1 If respondent currently or used to have loans from government and employer |
Informal loans | I if respondent currently or used to have loans from Sacco, money lenders, Chama, family/friends among others |
Digital credit | 1 if respondent currently or used to access mobile banking loans or digital loans via mobile phones or apps |
Local digital lending | A continuous variable measuring local digital lending development |
Reported death | Total number of reported deaths by county in 2015 |
Total size | Total land and water area by county (square kilometres) |
Extreme poverty | 2015 extreme poverty headcount rate by county |
GCP per capita | 2015 Gross County Product (Constant prices in KSh million) per capita |
Ave distance MM | Average distance to nearest mobile money agents by county, 2014 estimates (in km) |