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Table 4 SHG participation, by characteristics. Multinomial logistic regression: odds ratios with 95% confidence intervals, using non-member as reference groupa

From: Can microcredit help improve the health of poor women? Some findings from a cross-sectional study in Kerala, India

Characteristic Late joiner (< = 2 years) N = 442 Early joiner (> 2 years) N = 150
Age (ref = 30 years and under) 31–44 2.63 [1.53–4.53] 1.74 [1.18–2.58]
45–59 1.39 [0.73–2.66] 0.92 [0.58–1.44]
Relationship to head (ref = spouse) Head 1.52 [0.85–2.72] 0.92 [0.58–1.45]
Education (ref = high school+) Primary 0.22 [0.12–0.41] 0.62 [0.42–0.94]
No education 0.57 [0.34–0.98] 0.83 [0.55–1.24]
Employment (ref = not engaged) Engaged 1.33 [0.84–2.09] 0.89 [0.63–1.27]
Landholdings (ref = more than 50 cents) 50 cents or less 1.53 [0.90–2.60] 1.41 [0.97–2.05]
Caste of head (ref = forward) OBC 0.69 [0.39–1.19] 0.68 [0.45–1.04]
SC/ST 0.91 [0.52–1.60] 0.80 [0.52–1.24]
  1. a Notes: Results in bold are statistically significant at 5% level, OBC = Other Backward Caste, SC/ST = Scheduled Caste/Scheduled Tribe