DISCUSSION

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Table II Returns to education and pensionable employment for indigenous and nonindigenous

workers

Legalistic

Informality

(No Pension = 1) (1) (2) (3) (4) (5)

Indigenous 0.0312*** 0.00788 0.00788 0.00389 0.00734

(0.00838) (0.00935) (0.0111) (0.0109) (0.0141)

Primary -0.0826*** -0.0236*** -0.0236** -0.0444*** -0.0319***

(0.00851) (0.00899) (0.00940) (0.00941) (0.0100)

Secondary -0.298*** -0.193*** -0.193*** -0.233*** -0.203***

(0.0107) (0.0125) (0.0140) (0.0139) (0.0147)

Tertiary -0.619*** -0.475*** -0.475*** -0.517*** -0.490***

(0.0119) (0.0153) (0.0180) (0.0180) (0.0196)

I*Primary -0.0105 -0.0115 -0.0115 -0.0157 -0.0223

(0.0131) (0.0135) (0.0134) (0.0134) (0.0146)

I*Secondary 0.0865*** 0.0891*** 0.0891*** 0.0877*** 0.0668***

(0.0171) (0.0180) (0.0205) (0.0203) (0.0210)

I*Tertiary 0.0254 0.0219 0.0219 0.0244 0.00137

(0.0242) (0.0261) (0.0283) (0.0278) (0.0300)

Public School -0.0305** -0.0305** -0.0206 -0.0248*

(0.0138) (0.0127) (0.0128) (0.0133)

Rural 0.0910*** 0.0910*** 0.0821*** 0.0380***

(0.0106) (0.0132) (0.0129) (0.0141)

Female 0.202*** 0.202*** 0.194*** 0.207***

(0.00730) (0.00936) (0.00930) (0.00970)

Married -0.0296*** -0.0296*** -0.0171** -0.00944

(0.00667) (0.00677) (0.00689) (0.00692)

Chronic Illness -0.0368*** -0.0368*** -0.0116* -0.0143**

(0.00638) (0.00652) (0.00675) (0.00703)

Migrated 0.0240*** 0.0240*** 0.0187** 0.00463

(0.00739) (0.00856) (0.00861) (0.00843)

Tenure 0.00104*** 0.00104*** 0.00283*** 0.00253***

(0.000269) (0.000312) (0.000360) (0.000322)

Bedrooms -0.0109*** -0.0109*** -0.00571*** -0.00842***

(0.00204) (0.00209) (0.00207) (0.00212)

Electricity -0.0569*** -0.0569*** -0.0516*** -0.0380***

(0.00869) (0.00881) (0.00866) (0.00947)

Piped Water -0.0182** -0.0182** -0.0126 -0.0240**

(0.00866) (0.00912) (0.00905) (0.00979)

Landline -0.0822*** -0.0822*** -0.0624*** -0.0588***

(0.0114) (0.0131) (0.0130) (0.0128)

Mobile -0.0513*** -0.0513*** -0.0578*** -0.0412***

(0.00737) (0.00818) (0.00806) (0.00804)

Internet -0.0490*** -0.0490*** -0.0554*** -0.0399**

(0.0154) (0.0183) (0.0186) (0.0181)

40

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