Blauw, S.L.

phone household development variable table search phone use level uganda interviewee m-banking impact information telephone study ppi tm poverty telephone use sample statistic figure household level interviewee use histogram service frequency education phone users instrument number report regression phone user ” question research effect scorecard grameen foundation education level market institute poverty indextm measure appendix country literacy well-being paper uganda bureau literacy rate result month regressor business children member characteristic 2002 uganda population user rates household members university school world answer family section 0.50 transaction search users 1-2 days non-user amsterdam tinbergen likelihood ppitm point fi rst grameen 3-4 days score