Table 5 Marginal effects of the bivariate dynamic model for savers and remitters

Save (t-1) (d)

0.015***

0.445***

-0.020***

-0.440***

0.460***

-0.005***

(0.0007)

(0.0039)

(0.0008)

(0.0039)

(0.0039)

(0.0013)

Remit (t-1) (d)

0.182***

-0.200***

0.270***

-0.252***

-0.018**

0.451***

(0.0053)

(0.0055)

(0.0064)

(0.0071)

(0.0075)

(0.0089)

Age

0.003***

-0.004***

0.004***

-0.003***

-0.001

0.006***

(0.0001)

(0.0011)

(0.0002)

(0.0011)

(0.0011)

(0.0004)

Agesq

-0.001***

0.001***

-0.001***

0.001**

0.001

-0.001***

(0.0001)

(0.0001)

(0.0001)

(0.0001)

(0.0001)

(0.0001)

Married (d)

0.004

0.011*

-0.004

-0.015*

0.011*

0.001

(0.0008)

(0.0057)

(0.0011)

(0.0058)

(0.0059)

(0.0019)

Self-employed (d)

0.021***

0.091***

0.011***

-0.121***

0.111***

0.031***

(0.0022)

(0.0083)

(0.0019)

(0.0083)

(0.0086)

(0.0039)

Employ (d)

0.013***

0.151***

0.003***

-0.166***

0.163***

0.016***

(0.0007)

(0.0047)

(0.0010)

(0.0049)

(0.0049)

(0.0016)

O level (d)

0.006***

0.028***

0.004***

-0.037***

0.033***

0.009***

(0.0013)

(0.0067)

(0.0015)

(0.0068)

(0.0069)

(0.0027)

No college degree (d)

0.008***

0.041***

0.006***

-0.055***

0.049***

0.014***

(0.0010)

(0.0057)

(0.0012)

(0.0058)

(0.0059)

(0.0021)

University degree (d)

0.016***

0.073***

0.010***

-0.100***

0.090***

0.026***

(0.0018)

(0.0075)

(0.0018)

(0.0076)

(0.0078)

(0.0035)

Net Household Income

0.001***

0.004***

0.001***

-0.005***

0.005***

0.001***

(0.0001)

(0.0002)

(0.0001)

(0.0002)

(0.0002)

(0.0001)

Household Owner (d)

-0.002**

0.070***

-0.009***

-0.059***

0.068***

-0.010***

(0.0007)

(0.0048)

(0.0011)

(0.0049)

(0.0050)

(0.0019)

Household Type (d)

-0.002*

0.033***

-0.006***

-0.025***

0.031***

-0.008***

(0.0012)

(0.0083)

(0.0018)

(0.0084)

(0.0086)

(0.0030)

Number of Children

-0.005***

-0.027***

-0.004***

0.037***

-0.033***

-0.0101***

(0.0004)

(0.002)

(0.0005)

(0.0024)

(0.0024)

(0.0009)

Asset Holders

0.001***

0.013***

0.001

-0.014***

0.014***

0.001***

(0.0001)

(0.0021)

(0.0002)

(0.0021)

(0.0022)

(0.00032)

Temporary Migrant (d)

-0.014***

-0.132

-0.016

0.162

-0.146

-0.030**

(0.0037)

(0.161)

(0.0100)

(0.1570)

(0.1610)

(0.0135)

Uk-born (d)

-0.008***

0.028***

-0.013***

-0.005

0.019*

-0.022***

(0.0018)

(0.0106)

(0.0024)

(0.0109)

(0.0112)

(0.0040)