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BUSINESS RESEARCH

DOES MICROFINANCING ALLEVATE

POVERTY IN PAKISTAN & INDONESIA?

GROUP MEMBERS:

M.AHMAD 39

MUHAMMAD MAAZ AHMAD 89

SAAD UR REHMAN 90

M.YOUSAF NASEEM 105

CLASS:BBA-1C

SUBMITTED TO: PROF. HAFIZ WAQAS

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DESCRIPTIVE STATISTICS

VARIABLE OBS MEAN STD.DEV MIN MAX

PHC 14 21.285 5.5834 15.4 34.5

ANNI 14 5.062 3.6334 1.48 15.43

EXPEDU 13 2.575 0.4346 1.9 3.22

EXPHLTH 14 2.9428 0.4166 2.24 3.67

MFISCOUNT 14 28 15.65 7 58NOABROWERSER 14

421393.1

574330.3 1232 1595486

GLP 146.78E+

079.43E+

0761160

72.73E+0

8

BAMOUNT 147.46E+

071.02E+

08 02.71E+0

8

The Table above describes the outcome of descritive statistics of the stud!. "ere

#e ca$ see that the mea$ value for 421393 is ma%imum #hich is 421393.3 a$d

E%e$diture o$ Educatio$ has a mi$imum value of mea$ #hich is 2.575385. The

&alue of 'ta$dard deviatio$ is mi$imum E%e$diture o$ "ealth #hich is .4166982.

The mi$imum value is (orro#i$) *mou$t #hich is 0 #hile the ma%imum value is

o. of *ctive (orro#ers #hich value is 1595486.

CORRELATION MATRIX

PHC ANNIEXPEDU

EXPHLTH

MFISCOUNT

NOABROWERSER GLP

BAMONT

PHC 1.0000

ANNI 0.0637 1.0000

0.8288

EXPEDU ,0.8647 0.1243 1.0000

0.0001- 0.6858

EXPHLTH 0.3462,

0.1149 ,0.1075 1.0000

0.2253 0.6957 0.7266

MFISCOUNT ,0.6314 0.0781 0.6297 0.0335 1.0000

0.0154- 0.7908 0.0211- 0.9095

NOABROWERSER 0.3506

,0.2398 ,0.1606 0.7841 ,0.3360

0.2190 0.4089 0.6002 0.0009 0.2401

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-

GLP 0.3342,

0.2253 ,0.1342 0.7967 ,0.3279 0.99431.000

0

0.2429 0.4387 0.66210.0006

- 0.2524 0.0000-

BAMOUNT 0.3311 ,0.2327 ,0.1536 0.7982 ,0.3358 0.9961 0.9949 1.000

0.2476 0.4233 0.61650.0006

- 0.2405 0.0000-0.000

0-

(efore )oi$) to further a$al!sis it is )oi$) to obvious to chec the level of

correlatio$ bet#ee$ the selected set of variables/ the roblem of multicoli$earit!.

The Table above describes the correlatio$ matri% bet#ee$ all the maor variables

#hich #ere selected for rese$t stud! a$al!sis. rom above table it ca$ be see$

that there is $o hi)h de)ree of correlatio$ bet#ee$ all the selected set of variables

of the stud!. 'o #e have selected all the variables for the further a$al!sis. $ orderto rovide the suleme$tar! evide$ce re)ardi$) correlatio$ a$al!sis varia$ce

i$atio$ factor has also bee$ calculated #hich is rese$ted belo# i$ the table

VARIABLE VIF 1/VIF

(*T 176.20.0056

754

*(E'E 167.45

0.0059719

:;< 125.010.0079

994

E=

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SIMPLE REGRESSION

SIMPLE REGRESSION

PHCCOEFFIC

ENTP>|t|

ANNI0.305291

20.01

6-

EXPEDU ,8.396690.00

2-

EXPHLTH 9.0881280.00

2-

MFISCOUNT

,0.150558

40.10

-

NOABROWERSER 2.74E,04

0.007-

GLP 4.11E,080.26

1

BAMOUNT ,2.15E,070.00

2-

_CONS 20.64733 0.01

The Table above describes the outcomes of Sim!" R"#$"%%i&' M&("! )')!*%i%

for dee$de$t variable #hich is @overt! head cou$tB of @

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3

MFISCOUNT

,0.121243

30.07

5

NOABROWER

SER

0.000018

5

0.19

7

GLP 9.79E,080.24

7

BAMOUNT ,2.40E,070.00

7-

_ICOUNTR,_-,

11.359720.42

6

_CONS 20.652430.01

6

The Table above describes the outcomes of ;'?& a$al!sis for dee$de$t variable

#hich is @overt! head cou$tBof @

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PHCCOEFFICENT

P>|t|

ANNI0.052753

70.86

8

EXPEDU

,0.452763

10.96

2

EXPHLTH 4.725630.41

3

MFISCOUNT

,0.121243

30.07

5

NOABROWERSER

0.0000185

0.197

GLP 9.79E,080.24

7

BAMOUNT ,2.40E,07

0.00

7-

_CONS 15.409490.12

2

The Table above describes the outcomes of E a$al!sis for dee$de$t variable

#hich is @overt! head cou$tBof @

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RANDOM EFFECT MODEL

RANDOM EFFECT

PHC COEFFICENT P>|t|

ANNI0.305291

20.01

6-

EXPEDU ,8.396690.00

2-

EXPHLTH 9.0881280.00

2-

MFISCOUNT

,0.150558

40.10

-

NOABROWER

SER 0.000274

0.00

7-

GLP 4.11E,080.20

6

BAMOUNT ,2.15E,070.00

2-

_CONS 20.64733 0.01

The Table above describes the outcomes of a$dom EHect odel a$al!sis for

dee$de$t variable #hich is @overt! head cou$tB of @

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HAUSMAN FIXED RANDOM

HAUSMAN FIXED RANDOM

0 B0 B0

%2$t(i)#V_

3_B00

Fi4"(

R)'(&m

Di5"$"'6"

S.E

ANNI0.05275

370.30529

12

,0.25253

75 0.286008

EXPEDU

,0.45276

31,

8.396697.94392

7 8.981031

EXPHLTH 4.725639.08812

8

,4.36249

8 4.941445

MFISCOUNT

,0.12124

33

,0.15055

80.02931

5 0.0340778

NOABROWE

RSER

0.00018

5

0.00002

74

,8.95E,

06 0.0000102

GLP9.79E,

084.11E,

085.68E,

08 6.46E,08

BAMOUNT,2.40E,

07,2.15E,

07

,2.50E+

08 2.93E,08

*s er "ausma$ i%ed ra$dom the

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COMPARISION OF PEM 7 REM

COMPARISION OF PRM 7 REM

VARSD8S2$t V)$0

PHC 32.682695.71687

8

E 0.97749170.98868

18

U 0 0

CHIBAR - 910 8 9.99

PROB> CHIBAR -8 1.9999

*s i$ the "ausma$ test #e accet "o @hich is ra$dom eHectB i$ this test #e have

to select #hether #e have to select