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



Table 2b: Impact on Aggregate Household Decision-making Power, by gender

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

__________________Female__________________

_________________Male__________________

Index 1 (mean)

Index 2
Level

(3)

(factor)
Change
(4)

Index 1 (mean)

Index 2 (factor)

Level

(1)

Change
(2)

Level
(5)

Change
(6)

Level
(7)

Change
(8)

Panel A: Household decision making power below median in baseline

Treatment

0.089***

0.094**

0.291***

0.341***

0.018

0.021

0.041

0.025

(0.032)

(0.039)

(0.097)

(0.102)

(0.036)

(0.047)

(0.102)

(0.115)

Marketing

0.023

0.061

0.123

0.223*

0.051

0.075

0.133

0.132

(0.040)

(0.050)

(0.117)

(0.131)

(0.040)

(0.051)

(0.117)

(0.128)

Constant

0.800***

0.075**

-0.124

0.233***

0.751***

0.105***

-0.128

0.296***

(0.068)

(0.030)

(0.090)

(0.080)

(0.056)

(0.037)

(0.101)

(0.095)

Observations

322

322

303

303

296

296

284

284

R-squared

0.08

0.02

0.07

0.03

0.06

0.01

0.07

0.00

Panel B: Household decision making power above median in baseline

Treatment

0.026

0.022

0.111

0.109

-0.027

0.015

-0.061

-0.004

(0.032)

(0.037)

(0.098)

(0.103)

(0.049)

(0.058)

(0.137)

(0.149)

Marketing

0.027

0.019

0.068

0.045

-0.030

0.027

-0.092

-0.027

(0.037)

(0.048)

(0.120)

(0.137)

(0.053)

(0.062)

(0.145)

(0.157)

Constant

0.879***

-0.342***

0.115

-0.380***

0.954***

-0.440***

0.123

-0.579***

(0.103)

(0.027)

(0.096)

(0.078)

(0.137)

(0.047)

(0.139)

(0.122)

Observations

321

321

297

297

245

245

230

230

R-squared

0.04

0.00

0.03

0.00

0.01

0.00

0.00

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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