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Table 4 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 with treatment*gender interaction 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

0.59

(-0.27, 1.46)

0.65

(-0.26, 1.57)

-1.18*

(-2.34, -0.02)

-1.32*

(-2.56, -0.07)

-0.23

(-1.03, 0.57)

-0.36

(-1.18, 0.46)

Female gender

-0.02

(-0.92, 0.89)

-0.02

(-0.98, 0.94)

-0.34

(-1.11, 0.43)

-0.65

(-1.44, 0.13)

-0.07

(-0.79, 0.65)

-0.09

(-0.82, 0.63)

Treatment × Female

0.08

(-1.12, 1.28)

0.23

(-1.09, 1.54)

1.53*

(0.13, 2.93)

1.87*

(0.37, 3.38)

0.46

(-0.62, 1.54)

0.63

(-0.48, 1.74)

Age, years

 

-0.13

(-0.04, 0.02)

 

0.01

(-0.02, 0.03)

 

0.00

(-0.03, 0.02)

Education > 12 years

 

0.22

(-0.56, 1.00)

 

-0.44

(-1.36, 0.49)

 

-1.05*

(-1.82, -0.28)

Household size

 

0.11*

(0.01, 0.21)

 

0.05

(-0.04, 0.14)

 

0.07

(-0.01, 0.15)

Income > median

 

0.27

(-0.37, 0.91)

 

-0.95*

(-1.66, -0.25)

 

0.11

(-0.49, 0.72)

Western Cape 2

 

-0.51

(-1.24, 0.22)

 

-0.24

(-0.95, 0.47)

 

-0.52

(-1.23, 0.18)

KwaZulu Natal 2

 

-0.69

(-1.43. 0.06)

 

-0.08

(-0.85, 0.68)

 

0.02

(-0.68, 0.73)

  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 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