Hardship financing, productivity loss, and the economic cost of illness and injury in Cambodia

Table 3 Hardship financing predictive factors

	(1)	(2)	(3)
Variables	Structural Equation	First Stage Least Squares IV regression Net Income (logged)	Second Stage Probit IV regression
OOPE (logged)	0.339***	0.020	0.022***
OOPE (logged)	(0.028)	(0.020)	(0.003)
Non-productive days	0.014**	-0.003	0.003**
Non-productive days	(0.005)	(0.005)	(0.001)
Savings spent	0.606**	0.112	0.092*
Savings spent	(0.213)	(0.292)	(0.044)
Net income (logged)^a	-0.043*		-0.040***
Net income (logged)^a	(0.020)		(0.009)
Age of head of household^b		0.009***
Age of head of household^b		(0.002)
Adult years of education^b		0.023***
Adult years of education^b		(0.002)
Constant	-2.854***	5.492***	0.216***
Constant	(0.163)	(0.146)	(0.056)
Observations	5,312	5,312	5,312
F-statistic	44.1	71.8	22.1

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