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Table 5 Models for exclusion to health care. Binomial logistic regression: odds ratios with 95% confidence intervals and goodness of fit statisticsa

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

Dependent variable: exclusion to health care (yes, n = 325, no, n = 603) M0 M1 M2
Socioeconomic characteristics and caste    
Education (ref = high school+) Primary   0.92 [0.63–1.35] 0.90 [0.61–1.32]
No education   1.40 [0.96–2.05] 1.35 [0.91–1.99]
Employment (ref = not engaged) Engaged   0.82 [0.59–1.14] 0.81 [0.58–1.14]
Landholdings (ref = more than 50 cents) 50 cents or less   1.52 [1.05–2.20] 1.52 [1.05–2.21]
Caste of head (ref = forward) OBC   1.57 [1.06–2.34] 1.52 [1.02–2.27]
SC/ST   1.08 [0.72–1.63] 1.11 [0.73–1.68]
SHG participation    
SHG (ref = not member) Early joiner (> 2 years) 0.56 [0.36–0.86]   0.60 [0.39–0.94]
Late joiner (< = 2 years) 0.57 [0.41–0.79]   0.58 [0.41–0.80]
(Not member but SHG in household) (0.58) ([0.35–0.94])   (0.53) ([0.32–0.90])
Chi square (df) -2 log likelihood 13.3 (3)** 1188.6 24.3(9)** 1177.6 36.4(12)*** 1165.5
Deviation   24.2(3)***
  1. a Notes: Models are adjusted for age and women's household position. Results in bold are statistically significant, *p < 0.05, **p < 0.01, ***p < 0.001
  2. OBC = Other Backward Caste, SC/ST = Scheduled Caste/Scheduled Tribe.