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Demographic and covariate measures

Demographic and covariate measures

Participants self-reported their age in years, gender (male, feminine, or transgender), relationship status (solitary, in a relationship, hitched, widowed, divorced, or separated), greatest standard of training finished (none, main or center college, twelfth grade or GED, vocational or technical college, some university, degree, graduate level), if they had been presently a student, whether they currently received any form of public assistance or welfare, their total personal income for the previous year (reported on a categorical scale ranging from 1=“less than $5000” to 12=“$150,000 or more,” with responses recoded to the mid-point dollar value of each category for ease of interpretation), how their medical care was primarily paid for (self or out-of-pocket, Medicaid, Insurance), how they would describe their race (American Indian or Alaska Native, Asian, Black or African American, Native Hawaiian or Pacific Islander, White, Multiple Race, or Other), and whether they consider themselves to be of Hispanic or Latino ethnicity whether they were currently employed.

Analysis strategy

Considering that the quantity of participants reporting present short-term loans ended up being reasonably small (n=8, see Table 1 ), analyses centered on comparing those with a brief history of ever having had a short-term loan to people who had never really had one. Utilizing a p-value of 0.05 as a cut-off, statistically significant variations in demographic and wellness faculties between individuals with and without a brief history of short-term loans were tested making use of t-tests for constant parameters and chi-square tests for categorical factors.