Microfinance Banks and Household Access to Finance

Table 2. Variable definitions and sourcesVariable name Definition Source ObservationAccess to financeAccount Dummy=1 if a household member has a bank account, =0 otherwise LITS 2006; 2010ProCredit close Dummy =1 if ProCredit Bank branch is within 5km travel distance to household Googlemaps; Bank websites 2006; 2010Retail Bank close Dummy =1 if retail bank branch is within 5km travel distance to household Googlemaps; Bank websites 2006; 2010Town closeDistancesDummy =1 if the nearest town with more than 10,000 inhabitants is within 5km travel distance tohousehold Googlemaps; Bank websites 2006; 2010Household characteristicsLow income Dummy =1 if household expenses are below country mean of 2006, =0 otherwise LITS 2006; 2010Informal income Dummy =1 if respondent had no formal labor contract in the past 12 months , =0 otherwise LITS 2006; 2010University degree Dummy=1 if respondent has a university degree, =0 otherwise LITS 2006; 2010Household size Number of household members (adults & children) LITS 2006; 2010Age Age of the household head in log years LITS 2006; 2010Female Dummy =1 if household head is female, =0 if household head is male LITS 2006; 2010Language Dummy =1 if respondent speaks an official national language, =0 otherwise LITS 2006; 2010Muslim Dummy =1 if respondent is Muslim, =0 otherwise LITS 2006; 2010Car Dummy =1 if the respondend has a car, =0 otherwise LITS 2006; 2010Computer Dummy =1 if the respondend has a computer, =0 otherwise LITS 2006; 2010Mobile phone Dummy =1 if the respondend has a mobile phone, =0 otherwise LITS 2006; 2010Internet Dummy =1 if the respondend has internet access, =0 otherwise LITS 2006; 2010