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



Table 4: Impact on consumer durables

_______Sample Framework: Those whose spouses are living in the same house___________________
House repair                   Female-oriented durables                         Other durables

Binary
(1)

Cost
(2)

Binary
(1)

Total number
(2)

Cost
(3)

Binary
(4)

Total number
(5)

Cost
(6)

Panel A: All

Treatment

0.007

172.201

-0.019

0.009

48.293

-0.015

-0.006

-2,293.060

(0.033)

(1,611.810)

(0.032)

(0.062)

(312.882)

(0.030)

(0.042)

(1,529.312)

Marketing

0.018

-1,393.116

-0.035

-0.017

144.558

-0.011

-0.024

-2,493.613

(0.038)

(1,648.315)

(0.036)

(0.072)

(475.376)

(0.034)

(0.047)

(1,543.340)

Constant

7,615.907***

0.495***

1,997.997***

0.305***

6,095.462***

(1,299.894)

(0.047)

(242.252)

(0.034)

(1,344.654)

Observations

1181

1181

1183

1183

1183

1183

1183

1183

R-squared

0.00

0.00

0.00

0.00

0.00

Panel B: Females

Treatment

0.026

2,758.632

-0.023

0.086

504.622

-0.002

0.050

-2,146.550

(0.045)

(1,960.731)

(0.043)

(0.086)

(433.285)

(0.040)

(0.052)

(2,340.491)

Marketing

0.020

-1,133.261

-0.023

0.038

-56.553

0.029

0.043

-1,731.438

(0.053)

(1,875.305)

(0.051)

(0.104)

(508.971)

(0.048)

(0.058)

(2,401.692)

Constant

6,761.989***

0.489***

1,947.878***

0.261***

6,230.154***

(1,289.453)

(0.060)

(297.011)

(0.036)

(2,032.658)

Observations

641

641

642

642

642

642

642

642

R-squared

0.01

0.00

0.00

0.00

0.00

Panel C: Males

Treatment

-0.016

-3,137.328

-0.012

-0.086

-519.682

-0.032

-0.080

-2,453.800

(0.051)

(2,759.733)

(0.049)

(0.090)

(456.142)

(0.044)

(0.071)

(1,739.883)

Marketing

0.016

-2,010.130

-0.043

-0.071

315.665

-0.055

-0.107

-3,165.144*

(0.056)

(2,942.709)

(0.052)

(0.103)

(805.930)

(0.047)

(0.077)

(1,764.869)

Constant

8,796.324***

0.504***

2,066.774***

0.365***

5,910.628***

(2,534.068)

(0.077)

(406.126)

(0.062)

(1,555.118)

Observations

540

540

541

541

541

541

541

541

R-squared_______

0.00

0.00

0.00

0.00

0.01

Robust standard errors in parentheses, * significant at 10%; ** significant at 5%; *** significant at 1%. Female-oriented durables consist of washing
machines, sewing machines, electric iron, kitchen appliances, air conditioners, fans, and stoves. Other durables include vehicles, motorcycles, and
entertainment items (i.e. CD players, TV, and radio ).



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