Introduction
Methods
Data
Variables and estimation techniques (baseline)
Variable | Measurement | Coding |
---|---|---|
Water source (for drinking and general use) | Categorical | Improved water (1), unimproved water (0) |
Financial inclusion (baseline measure) | Categorical | Yes (1), no (2) |
Sex | Categorical | Male (1), female (2) |
Religion | Categorical | No religion (1), Christian (2), Traditionalist/other (3), Islam (6) |
Educational qualification | Categorical | None (0), yes (1) |
Household size | Continuous | Not applicable |
Total household gross income (in Ghana Cedis [GHS]) | Continuous | Not applicable |
Region | Categorical | Western (1), Central (2), Greater Accra (3), Volta (4), Eastern (5), Ashanti (6), Brong Ahafo (7), Northern (8), Upper East (9), Upper West (10) |
Residence | Categorical | Urban (1), rural (2) |
Age (in years) | Continuous | Not applicable |
Robustness checks
Weighting of data
Results
Variable | % | ||
---|---|---|---|
Drinking water | |||
Unimproved | 9.95 | ||
Improved | 90.05 | ||
Water for general use or purpose | |||
Unimproved | 12.17 | ||
Improved | 87.83 | ||
Financial inclusion (baseline measure) | |||
Yes | 55.46 | ||
No | 44.54 | ||
Sex | |||
Male | 66.48 | ||
Female | 33.52 | ||
Religion | |||
No religion | 6.17 | ||
Christian | 73.83 | ||
Traditionalist/other | 3.79 | ||
Islam | 16.21 | ||
Educational qualification | |||
None | 30.37 | ||
Yes | 69.63 | ||
Region | |||
Western | 10.50 | ||
Central | 8.48 | ||
Greater Accra | 17.00 | ||
Volta | 7.35 | ||
Eastern | 11.69 | ||
Ashanti | 23.27 | ||
BrongAhafo | 9.50 | ||
Northern | 6.76 | ||
Upper East | 3.17 | ||
Upper West | 2.28 | ||
Residence | |||
Urban | 56.21 | ||
Rural | 43.79 | ||
Mean | Min | Max | |
Age (in years) | 46.33 | 15 | 99 |
Total household gross income (in GHS) | 26587.00 | 0 | 7723805.00 |
Household size | 4.22 | 1 | 28 |
Variable | Drinking water | Water for general use | ||||
---|---|---|---|---|---|---|
Unimproved | Improved | P-value | Unimproved | Improved | P-value | |
Financial inclusion(Baseline) | ||||||
Yes | 5.73 | 94.27 | 0.000*** | 7.32 | 92.68 | 0.000*** |
No | 15.21 | 84.79 | 18.21 | 81.79 | ||
Sex | ||||||
Male | 11.13 | 88.87 | 0.000*** | 13.27 | 86.73 | 0.001*** |
Female | 7.63 | 92.37 | 10.01 | 89.99 | ||
Religion | ||||||
No religion | 16.69 | 83.31 | 0.000*** | 19.92 | 80.08 | 0.000*** |
Christian | 8.64 | 91.36 | 10.45 | 89.55 | ||
Traditionalist/other | 22.77 | 77.23 | 29.25 | 70.75 | ||
Islam | 10.31 | 89.69 | 13.05 | 86.95 | ||
Educational qualification | ||||||
None | 12.42 | 87.58 | 0.000*** | 15.78 | 84.22 | 0.000*** |
Yes | 5.57 | 94.43 | 6.80 | 93.20 | ||
Region | ||||||
Western | 14.24 | 85.76 | 0.000*** | 15.53 | 84.47 | 0.000*** |
Central | 5.76 | 94.24 | 8.12 | 91.88 | ||
Greater Accra | 2.00 | 98.00 | 2.23 | 97.77 | ||
Volta | 21.78 | 78.22 | 32.10 | 67.90 | ||
Eastern | 20.57 | 79.43 | 21.77 | 78.23 | ||
Ashanti | 3.73 | 96.27 | 4.67 | 95.33 | ||
BrongAhafo | 8.05 | 91.95 | 10.11 | 89.89 | ||
Northern | 25.32 | 74.68 | 30.59 | 69.41 | ||
Upper East | 5.12 | 94.88 | 8.67 | 91.33 | ||
Upper West | 5.46 | 94.54 | 7.76 | 92.24 | ||
Residence | ||||||
Urban | 2.40 | 97.60 | 0.000*** | 3.56 | 96.44 | 0.000*** |
Rural | 19.56 | 80.44 | 23.13 | 76.87 |
(1) | (2) | |
---|---|---|
Improved drinking water | Improved water for general use | |
Financial inclusion ((Baseline measure) Ref.: No) | ||
Yes | 0.454** | 0.412** |
(0.0442) | (0.0293) | |
Sex (Ref: Female) | ||
Male | -0.316*** | -0.206** |
(0.00461) | (0.0486) | |
Religion (Ref: No religion) | ||
Christian | 0.0211 | 0.124 |
(0.921) | (0.527) | |
Traditionalist/other | 0.0144 | 0.0229 |
(0.966) | (0.938) | |
Islam | 0.0109 | -0.0616 |
(0.969) | (0.816) | |
Educational qualification (Ref: None) | ||
Yes | 0.448*** | 0.486*** |
(0.0000486) | (0.00000195) | |
Household size | -0.0558** | -0.0701*** |
(0.0125) | (0.000711) | |
Total household gross income (in GHS) | 0.00000151* | 0.00000262** |
(0.0961) | (0.0310) | |
Region (Ref: Western) | ||
Central | 0.897** | 0.749** |
(0.0258) | (0.0190) | |
Greater Accra | 0.534 | 0.841 |
(0.376) | (0.149) | |
Volta | -0.414 | -0.788*** |
(0.192) | (0.00458) | |
Eastern | -0.622 | -0.510 |
(0.163) | (0.211) | |
Ashanti | 1.194*** | 1.097*** |
(0.00641) | (0.00376) | |
Brong Ahafo | 0.790** | 0.737** |
(0.0266) | (0.0159) | |
Northern | -0.421 | -0.548* |
(0.226) | (0.0948) | |
Upper East | 1.572*** | 1.123*** |
(0.000211) | (0.00161) | |
Upper West | 1.198 | 1.061 |
(0.152) | (0.108) | |
Residence (Ref: Urban) | ||
Rural | -1.833*** | -1.628*** |
(3.90e-09) | (2.97e-10) | |
Age (in years) | -0.00548 | -0.00518 |
(0.288) | (0.256) | |
Constant | 3.473*** | 2.962*** |
(1.20e-09) | (3.40e-10) | |
Observations | 9496 | 9496 |
No. of strata | 20 | 20 |
No. of primary sampling units | 990 | 990 |
F-stat | 10.44 | 13.80 |
F-stat P-value | 1.42e-28*** | 6.12e-39*** |
(1) | (2) | (3) | |
---|---|---|---|
Improved drinking water | Improved drinking water | Improved drinking water | |
Informal financial inclusion (Ref: No financial inclusion) | 0.348 | ||
(0.134) | |||
Formal financial inclusion (Ref: No financial inclusion) | 0.747*** | ||
(3.32e-08) | |||
Sex (Ref: Female) | |||
Male | -0.426*** | -0.355*** | -0.319* |
(0.00363) | (0.00380) | (0.0978) | |
Religion (Ref: No religion) | |||
Christian | -0.0271 | 0.0627 | 0.238 |
(0.906) | (0.768) | (0.442) | |
Traditionalist/other | -0.260 | 0.00584 | 0.576 |
(0.490) | (0.986) | (0.285) | |
Islam | 0.189 | -0.0347 | -0.00109 |
(0.545) | (0.904) | (0.998) | |
Educational qualification (Ref: None) | |||
Yes | 0.416*** | 0.412*** | 0.404** |
(0.00323) | (0.00137) | (0.0362) | |
Household size | -0.0442* | -0.0515** | -0.0625* |
(0.0576) | (0.0396) | (0.0913) | |
Total household gross income (in GHS) | 0.000000730 | 0.000000781 | 0.00000114 |
(0.271) | (0.208) | (0.317) | |
Region (Ref: Western) | |||
Central | 0.664 | 0.790* | 1.713*** |
(0.112) | (0.0509) | (0.00205) | |
Greater Accra | 1.328* | 0.582 | 0.377 |
(0.0516) | (0.337) | (0.528) | |
Volta | -0.340 | -0.287 | -0.259 |
(0.346) | (0.371) | (0.490) | |
Eastern | -0.497 | -0.386 | -0.588 |
(0.172) | (0.258) | (0.304) | |
Ashanti | 0.965* | 1.172*** | 1.933*** |
(0.0523) | (0.00713) | (0.000192) | |
Brong Ahafo | 0.854** | 0.806** | 0.777* |
(0.0369) | (0.0235) | (0.0595) | |
Northern | -0.586 | -0.292 | -0.0387 |
(0.105) | (0.401) | (0.928) | |
Upper East | 2.294*** | 1.649*** | 1.273** |
(0.00000571) | (0.000897) | (0.0125) | |
Upper West | 2.196*** | 1.165 | 0.438 |
(0.000137) | (0.182) | (0.667) | |
Residence (Ref: Urban) | |||
Rural | -1.684*** | -1.702*** | -1.838*** |
(0.00000530) | (2.86e-09) | (2.33e-08) | |
Age (in years) | -0.00194 | -0.00318 | -0.0136* |
(0.702) | (0.521) | (0.0538) | |
Formal financial inclusion (Ref: Informal financial inclusion) | 0.815* | ||
(0.0546) | |||
Constant | 3.247*** | 3.184*** | 3.500*** |
(1.50e-09) | (1.23e-10) | (7.75e-09) | |
Observations | 4332 | 8213 | 5639 |
No. of strata | 20 | 20 | 20 |
No. of primary sampling units | 929 | 984 | 916 |
F-stat | 7.483 | 10.78 | 7.879 |
F-stat P-value | 3.68e-19*** | 1.31e-29*** | 2.24e-20*** |
(1) | (2) | (3) | |
---|---|---|---|
Improved water for general use | Improved water for general use | Improved water for general use | |
Informal financial inclusion (Ref: No financial inclusion) | 0.433** | ||
(0.0278) | |||
Formal financial inclusion (Ref: No financial inclusion) | 0.711*** | ||
(3.74e-09) | |||
Sex (Ref: Female) | |||
Male | -0.367*** | -0.289** | -0.132 |
(0.00859) | (0.0142) | (0.446) | |
Religion (Ref: No religion) | |||
Christian | 0.0729 | 0.163 | 0.227 |
(0.736) | (0.404) | (0.423) | |
Traditionalist/other | -0.142 | 0.0586 | 0.267 |
(0.672) | (0.846) | (0.518) | |
Islam | 0.146 | -0.0981 | -0.226 |
(0.627) | (0.720) | (0.592) | |
Educational qualification (Ref: None) | |||
Yes | 0.401*** | 0.457*** | 0.453** |
(0.00179) | (0.000142) | (0.0145) | |
Household size | -0.0532** | -0.0655*** | -0.0817** |
(0.0137) | (0.00500) | (0.0197) | |
Total household gross income (in GHS) | 0.00000330 | 0.00000158 | 0.00000131 |
(0.124) | (0.185) | (0.266) | |
Region (Ref: Western) | |||
Central | 0.421 | 0.710** | 1.539*** |
(0.241) | (0.0315) | (0.000245) | |
Greater Accra | 1.060* | 0.915 | 0.997 |
(0.0888) | (0.117) | (0.112) | |
Volta | -0.762** | -0.590** | -0.559 |
(0.0145) | (0.0378) | (0.113) | |
Eastern | -0.517 | -0.273 | -0.336 |
(0.122) | (0.375) | (0.543) | |
Ashanti | 0.753* | 1.100*** | 1.924*** |
(0.0853) | (0.00389) | (0.0000285) | |
Brong Ahafo | 0.722* | 0.773** | 0.758** |
(0.0504) | (0.0122) | (0.0364) | |
Northern | -0.857** | -0.319 | -0.139 |
(0.0131) | (0.334) | (0.769) | |
Upper East | 1.171*** | 1.177*** | 1.229*** |
(0.00668) | (0.00174) | (0.00834) | |
Upper West | 1.950*** | 1.072 | 0.381 |
(0.0000611) | (0.129) | (0.637) | |
Residence (Ref: Urban) | |||
Rural | -1.651*** | -1.525*** | -1.501*** |
(0.000000121) | (6.35e-11) | (0.000000122) | |
Age (in years) | -0.00362 | -0.00339 | -0.0101 |
(0.418) | (0.443) | (0.134) | |
Formal financial inclusion (Ref: Informal financial inclusion) | 0.822** | ||
(0.0241) | |||
Constant | 3.086*** | 2.725*** | 2.689*** |
(4.30e-11) | (1.45e-11) | (0.000000311) | |
Observations | 4332 | 8213 | 5639 |
No. of strata | 20 | 20 | 20 |
No. of primary sampling units | 929 | 984 | 916 |
F-stat | 8.871 | 14.66 | 11.59 |
F-stat P-value | 1.65e-23*** | 1.69e-41*** | 7.44e-32*** |
Descriptive statistics
Bivariate analysis
(1) | (2) | |
---|---|---|
Improved drinking water | Improved water for general use | |
Combined index of financial inclusion | 0.514*** | 0.590*** |
(0.00385) | (0.000152) | |
Sex (Ref: Female) | ||
Male | -0.307*** | -0.205** |
(0.00491) | (0.0464) | |
Religion (Ref: No religion) | ||
Christian | 0.0456 | 0.130 |
(0.833) | (0.513) | |
Traditionalist/other | 0.0252 | 0.0291 |
(0.940) | (0.921) | |
Islam | 0.0345 | -0.0507 |
(0.903) | (0.849) | |
Educational qualification (Ref: None) | ||
Yes | 0.443*** | 0.452*** |
(0.0000997) | (0.0000135) | |
Household size | -0.0520** | -0.0661*** |
(0.0159) | (0.00105) | |
Total household gross income (in GHS) | 0.00000141 | 0.00000234* |
(0.129) | (0.0594) | |
Region (Ref: Western) | ||
Central | 0.868** | 0.712** |
(0.0318) | (0.0259) | |
Greater Accra | 0.526 | 0.819 |
(0.385) | (0.160) | |
Volta | -0.425 | -0.801*** |
(0.182) | (0.00394) | |
Eastern | -0.624 | -0.513 |
(0.160) | (0.209) | |
Ashanti | 1.185*** | 1.088*** |
(0.00710) | (0.00411) | |
Brong Ahafo | 0.815** | 0.765** |
(0.0229) | (0.0124) | |
Northern | -0.466 | -0.602* |
(0.178) | (0.0645) | |
Upper East | 1.551*** | 1.085*** |
(0.000256) | (0.00231) | |
Upper West | 1.181 | 1.046 |
(0.158) | (0.113) | |
Residence (Ref: Urban) | ||
Rural | -1.820*** | -1.608*** |
(3.04e-09) | (2.94e-10) | |
Age (in years) | -0.00533 | -0.00481 |
(0.283) | (0.275) | |
Constant | 3.666*** | 3.170*** |
(3.65e-12) | (3.22e-13) | |
Observations | 9498 | 9498 |
No. of strata | 20 | 20 |
No. of primary sampling units | 990 | 990 |
F-stat | 10.68 | 14.64 |
F-stat P-value | 2.43e-29*** | 1.89e-41*** |