Female Empowerment: Impact of a Commitment Savings Product in the Philippines



Table 1: Summary Statistics

All
(1)

Control

(2)

Treatment

(3)

Marketing

(4)

F statistic

(5)

Total

3,125

803

1,553

769

Completed baseline survey

1,776

469

842

465

Completed follow-up survey

1,629

428

771

430

Baseline

Female, proportion

0.595

0.624

0.601

0.558

0.136

Married, proportion

0.773

0.806

0.767

0.753

0.151

Household decision making power index 1

1.209

1.225

1.220

1.171

0.190

(0.422)

(0.423)

(0.416)

(0.432)

Household decision making power index 2

0.004

0.024

0.019

-0.045

0.480

(0.812)

(0.799)

(0.808)

(0.834)

Household decision making power index 1 (married female)

1.264

1.288

1.271

1.220

0.275

(0.401)

(0.385)

(0.399)

(0.424)

Household decision making power index 2 (married female)

0.026

0.091

0.036

-0.076

0.167

(0.799)

(0.739)

(0.803)

(0.856)

Total savings at Green Bank, MIS

509.974

536.489

504.440

493.505

0.423

(506.408)

(515.373)

(500.692)

(507.773)

Total household savings

5428.758

5894.524

5764.304

4363.517

0.262

(15781.820)

(16279.700)

(18305.750)

(8852.169)

Total household informal savings

967.125

968.960

1078.983

764.733

0.531

(4641.664)

(5697.623)

(4988.806)

(2171.288)

Savings in shared accounts (client is not the principal user)

211.739

335.801

202.528

104.767

0.475

(2784.990)

(3533.014)

(2885.735)

(1426.876)

Formal savings of other household members

1212.963

1143.356

1445.227

865.791

0.415

(7365.828)

(7212.905)

(8639.445)

(4462.855)

Followup

Household decision making power index 1

1.103

1.090

1.117

1.093

0.270

(0.286)

(0.289)

(0.285)

(0.282)

Household decision making power index 2

-0.001

-0.048

0.040

-0.027

0.203

(0.775)

(0.799)

(0.766)

(0.763)

Household decision making power index 1 (married female)

1.168

1.140

1.193

1.152

0.068

(0.273)

(0.266)

(0.270)

(0.284)

Household decision making power index 2 (marriedd female)

0.079

-0.003

0.159

0.017

0.036

(0.779)

(0.773)

(0.771)

(0.789)

Standard deviations are reported in the parentheses. Household decision making power indices are composed from answers to "Who decides"
on the following 9 domains: what to buy at the market, expensive purchases, giving assistance to family members, family purchases,
recreational use of the money, personal use of the money, number of children, schooling of children, and use of family planning. The value for
each item takes zero if the decision making is done by spouse, one if the decision making is done by the couple, and two if decision making is
done by the respondent. Index 1 is the equally-weighted mean of an individual's responses across the nine decision categories; index 2 is the
first factor of an individual's responses across the nine categories. The factor index (2) is created only for those who have no missing response
to the nine questions on household decision making power, and thus removes all individuals without children. Analytical results throughout do
not change if index 1 is calculated with the same sample restriction as index 2.



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