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Table 3 Effect of randomized assignment to Treatment to receive a "second look" for a cash loan on having high stress symptoms, high depression symptoms, or both high depression and stress symptoms at Follow-up.1

From: Small individual loans and mental health: a randomized controlled trial among South African adults

  High stress symptoms High depression symptoms High depression and stress
Treatment 0.64*
(0.04, 1.23)
0.78*
(0.13, 1.43)
-0.19
(-0.78, 0.40)
-0.20
(-0.80, 0.41)
0.03
(-0.50, 0.56)
-0.02
(-0.57, 0.53)
Female gender   0.06
(-0.57, 0.68)
  0.05
(-0.54, 0.64)
  0.19
(-0.35, 0.73)
Age, years   -0.01
(-0.04, 0.02)
  0.01
(-0.01, 0.03)
  0.00
(-0.03, 0.02)
Education > 12 years   0.25
(-0.53, 1.02)
  -0.33
(-1.21, 0.56)
  -1.00*
(-1.77, -0.22)
Household size   0.11*
(0.01, 0.21)
  0.04
(-0.05, 0.13)
  0.07
(-0.01, 0.14)
Income > median   0.28
(-0.36, 0.91)
  -0.88*
(-1.58, -0.19)
  0.14
(-0.47, 0.74)
Western Cape 2   -0.51
(-1.25, 0.22)
  -0.34
(-1.05, 0.38)
  -0.53
(-1.24, 0.17)
KwaZulu Natal 2   -0.67
(-1.40, 0.07)
  -0.05
(-0.80, 0.70)
  0.04
(-0.67, 0.74)
  1. 1 * p < 0.05; n = 236 for unadjusted models and n = 235 in adjusted models. Multinomial probit regressions were performed with baseline comparison group as having no stress symptoms and no depressive symptoms. Results using other base categories are presented in the Appendix. Results are presented as beta coefficients with 95% confidence intervals. High stress symptoms defined as having a score on the Cohen Perceived Stress Scale ≥ 75th percentile; High depressive symptoms defined as having score on the CES-D (Center for Epidemiologic Studies Depression Scale) ≥ 75th percentile. Adjusted models also include covariate for month of testing and probability of receiving loan.
  2. 2 Eastern Cape is comparison group