Factor

Label

Non-defaulter

Defaulter

OR

95%CI

P-value

Age

16 - 31

72

37

1.0

0.616^**

0 - 15

7

6

1.67

(0.52, 5.32)

32 - 47

50

36

1.40

(0.78, 2.51)

≥48

34

20

1.15

(0.58, 2.26)

Sex

Female

86

32

1.0

0.001^*

Male

77

67

2.34

(1.39, 3.94)

Education

Secondary/others

80

50

1.0

0.414

No education/primary

23

19

1.32

(0.65, 2.67)

Tertiary

60

30

0.80

(0.46, 1.41)

Occupation

Business

65

51

1.0

0.090

Student/unemployed

51

32

0.80

(0.45, 1.42)

Farmer/others

17

8

0.60

(0.24, 1.50)

Civil servant/professional

30

8

0.34

(0.14, 0.81)

Marital status

Single

86

35

1.0

0.006^*

Married

77

64

2.04

(1.22, 3.42)

Monthly income

<18,000

52

21

1.0

0.542

≥18,000

31

16

1.28

(0.58, 2.81)

Family size

5 - 8

87

57

1.0

0.373

1 - 4

62

37

0.91

(0.54, 1.54)

>8

14

4

0.44

(0.14, 1.39)