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



Table 2: Impact on the Aggregate Household Decision-making power

Sample: Individuals who have children and whose spouses/partners live in the same household

Index 1

(mean)

Index 2

(factor)

Level

Change

Level

Change

_____________(1)

(2)

(3)

(4)

Panel A: All

Treatment

0.029

0.040

0.107**

0.124*

(0.018)

(0.028)

(0.053)

(0.064)

Marketing

0.012

0.052

0.054

0.102

(0.021)

(0.033)

(0.061)

(0.076)

Constant

0.778***

-0.138***

-0.061

-0.080

(0.028)

(0.021)

(0.043)

(0.050)

Observations

1184

1184

1114

1114

R-squared_________

__________0.14

0.00

0.12

0.00

Panel B: Female

Treatment

0.056**

0.073**

0.198***

0.241***

(0.023)

(0.034)

(0.069)

(0.080)

Marketing

0.023

0.071*

0.087

0.192*

(0.027)

(0.042)

(0.085)

(0.103)

Constant

0.793***

-0.147***

-0.032

-0.090

(0.040)

(0.025)

(0.054)

(0.060)

Observations

643

643

600

600

R-squared_________

__________0.16

0.01

0.15

0.01

Panel C: Male

Treatment

0.001

-0.002

0.006

-0.019

(0.029)

(0.047)

(0.083)

(0.103)

Marketing

0.018

0.030

0.041

0.012

(0.032)

(0.052)

(0.091)

(0.115)

Constant

0.791***

-0.125***

-0.105

-0.068

(0.039)

(0.037)

(0.069)

(0.084)

Observations

541

541

514

514

R-squared_________

__________0.10

0.00

0.09

0.00

Robust standard errors in parentheses, * significant at 10%; ** significant at 5%; *** significant at
1%. Dependent Variable: Index of household decision making power on 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. See
notes under Table 1 for the exact definition of each index. Regressions in columns (1) and (3) control
for the household decision making power in the baseline (August 2003).



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