Table 4 Predictors of the certainty of the future and sustainability of VSLAs during Covid-19 using by Binary Logistic Regression Model

Gender of the respondent (1)

0.437(0.094)*

[0.928;2.582]

Age group (1)

1.317(0.000)***

[2.316;6.012]

Occupation (1)

-0.453(0.106)*

[0.367;1.101]

Education Level (1)

2.181(0.047)**

[1.033;75.888]

Are you head of the house (1)

-0.002(0.994)

[0.6;1.658]

Number of people in the house (1)

-0.174(0.481)

[0.518;1.363]

Shares contribution not on Time

1.035(0.008)***

[0.166;0.759]

Frequency of loans obtaining increasing

-0.507(0.049)***

[0.364;0.998]

Loan Repayment not on time

-0.368(0.372)

[0.309;1.553]

Meetings

0.572(0.021)***

[1.09;2.881]

Constant

-1.506(0.211)

Model Predicted Success

68.10%

Log-likelihood ratio

465.102

Hosmer and Lemeshow Test

(df = 8) significance test result 8.469 (P-value = 0.389)

Omnibus Tests of Model Coefficients

(df = 10) significance test result 87.387 (P-value = 0.000***)

Cox and Snell R2

0.196***

Negelkerke R2

0.262***

Sample Number (n)

420