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Table 8 Models for self perceived health. 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: Bad health (yes, n = 321, no, n = 607) M0 M1 M2 M3
Socioeconomic characteristics and caste     
Education (ref = high school+) Primary   1.18 [0.79–1.76] 1.20 [0.80–1.79] 1.11 [0.70–1.75]
No education   1.49 [1.00–2.23] 1.53 [1.02–2.31] 1.37 [0.87–2.17]
Employment (ref = not engaged) Engaged   0.62 [0.43–0.88] 0.61 [0.43–0.87] 0.61 [0.40–0.91]
Landholdings (ref = more than 50 cents) 50 cents or less   1.55 [1.06–2.27] 1.55 [1.06–2.26 ] 1.39 [0.91–2.13]
Caste of head (ref = forward) OBC   1.00 [0.66–1.52] 1.00 [0.66–1.52] 1.15 [0.71–1.85]
SC/ST   0.93 [0.61–1.43 0.93 [0.60–1.43] 1.04 [0.64–1.70]
SHG participation     
SHG (ref = not member) Early joiner (> 2 years) 0.97 [0.65–1.44]   1.22 [0.78–1.90] 1.17 [0.70–1.94]
Late joiner (< = 2 years) 0.77 [0.57–1.04]   0.93 [0.67–1.29] 1.02 [0.70–1.47]
Health determinants     
Exclusion (ref = no exclusion) Exclusion     1.94 [1.37–2.74]
Health risks (ref = no risks) At least one risk     10.3 [6.87–15.3]
Decision-making (ref = female/joint) Male     2.55 [1.57–4.16]
Chi square (df) -2 log likelihood 3.21(2) 1193.7 143.0(9)*** 1053.9 144.6(11)*** 1052.3 327.6(14)*** 869.3
Deviation   3.2(2) 366.0(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.