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



Table 5: Impact on consumer durables

Sample Framework: Those whose spouses are living in the same house

House repair

Female-Oriented Durables

Other Durables

Binary        Cost

Total number     Cost

Total number     Cost

________________________________(1)______________(2)

(3)______________(4)

(5)______________(6)

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

Treatment

-0.027

2,480.870

0.192*

1,456.938**

0.006

-3,887.597

(0.063)

(2,133.872)

(0.108)

(654.295)

(0.073)

(4,109.914)

Marketing

0.081

-1,149.406

0.126

600.512

0.052

-4,446.125

(0.075)

(1,676.488)

(0.142)

(786.664)

(0.088)

(3,691.585)

Constant

5,206.818***

0.386***

1,518.750***

0.273***

8,037.500**

(1,276.748)

(0.069)

(359.206)

(0.058)

(3,550.889)

Observations

322

322

322

322

322

322

R-squared

0.01

0.01

0.01

0.00

0.01

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

Treatment

0.080

3,247.131

-0.008

-403.082

0.092

-623.256

(0.063)

(3,231.059)

(0.131)

(552.084)

(0.075)

(2,436.893)

Marketing

-0.048

-625.615

-0.036

-702.348

0.029

926.486

(0.077)

(3,433.478)

(0.148)

(586.010)

(0.077)

(3,346.618)

Constant

8,130.540***

0.580***

2,325.510***

0.250***

4,639.690**

(2,145.179)

(0.094)

(458.549)

(0.046)

(2,202.953)

Observations

319

319

320

320

320

320

R-squared

0.00

0.00

0.00

0.00

0.00

Panel C: Males with household decision-making power below median in baseline

Treatment

-0.006

-4,114.137

-0.080

-741.921

-0.092

-2,878.840

(0.066)

(4,284.529)

(0.122)

(619.640)

(0.103)

(2,561.748)

Marketing

-0.052

-3,657.542

0.014

841.101

-0.212**

-4,822.457**

(0.072)

(4,618.274)

(0.148)

(1,316.247)

(0.102)

(2,415.286)

Constant

9,718.987**

0.468***

2,072.152***

0.405***

6,301.975***

(4,083.798)

(0.105)

(569.847)

(0.089)

(2,352.200)

Observations

296

296

296

296

296

296

R-squared

0.01

0.00

0.01

0.02

0.02

Panel D: Males with household decision-making power above median in baseline

Treatment

-0.030

-1,795.457

-0.100

-259.666

-0.058

-1,881.499

(0.079)

(2,829.019)

(0.132)

(666.850)

(0.094)

(2,182.161)

Marketing

0.093

104.123

-0.177

-288.920

0.023

-1,172.725

(0.087)

(2,980.016)

(0.143)

(836.159)

(0.114)

(2,466.193)

Constant

7,517.544***

0.552***

2,059.448***

0.310***

5,377.586***

(2,156.450)

(0.113)

(568.124)

(0.082)

(1,813.668)

Observations

244

244

245

245

245

245

R-squared_______

0.00

0.01

0.00

0.00

0.00

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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