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



Table 3: Impact on household decision makring

Sample: Women whose spouses/partners are living in the same house

Dependent Variable:

What to buy
in market

Expensive
purchases

Number of
children

Family
planning

Assist family
members

Personal use

Recreation

Family
purchase

Schooling for
children

Ordered

Ordered

Ordered

Ordered

Ordered

Ordered

Ordered

Ordered

Ordered

Specification:

Probit

Probit

Probit

Probit

Probit

Probit

Probit

Probit

Probit

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

Panel A: Female

Treatment

-0.004

0.203*

0.217*

0.023

0.143

0.013

0.112

0.174

0.162

Marketing

(0.117)

-0.026

(0.109)
0.060

(0.114)

0.139

(0.110)

-0.117

(0.113)

0.046

(0.118)

-0.124

(0.107)

0.062

(0.111)
0.115

(0.125)

0.220

Constant

(0.134)

(0.128)

(0.137)

(0.131)

(0.125)

(0.137)

(0.120)

(0.138)

(0.151)

Observations
R-squared

641

642

639

641

642

643

642

641

609

Panel B: Females with household decision making power below median in baseline

Treatment

-0.005

0.409**

0.175

0.010

0.323**

0.243

0.229

0.237

-0.065

Marketing

(0.162)

-0.154

(0.162)

0.148

(0.164)
0.165

(0.162)

-0.192

(0.158)

0.316*

(0.167)

-0.238

(0.152)

0.282*

(0.164)

0.150

(0.199)

-0.123

Constant

(0.182)

(0.181)

(0.182)

(0.187)

(0.174)

(0.183)

(0.171)

(0.191)

(0.228)

Observations
R-squared

320

321

321

321

321

322

321

320

306

Panel C: Females with household decision making power above median in baseline

Treatment

0.005

0.037

0.297*

0.033

-0.002

-0.222

0.022

0.136

0.328*

Marketing

(0.171)

0.169

(0.148)
0.020

(0.159)
0.178

(0.151)

-0.048

(0.160)

-0.174

(0.170)
0.130

(0.152)

-0.143

(0.155)
0.127

(0.168)

0.509**

Constant

(0.205)

(0.184)

(0.207)

(0.186)

(0.179)

(0.213)

(0.169)

(0.197)

(0.210)

` Observations
R-squared___________

321

321

318

320

321

321

321

321

303

Robust standard errors in parentheses, * significant at 10%; ** significant at 5%; *** significant at 1%. All regressions in this table control for the initial household
decision making power in the baseline. The value for each item takes zero if the decision making is done by husband, one if the decision making is done by the
couple, and two if decision making is done by wife.



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