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



Table 6: SEED Impact on Household Savings
OLS

Savings in
shared

Dependent variable:

Green Bank
savings, Aug
04 baseline
sample
(12 month)
(1)

Green Bank
savings,
Apr 06
(32 month)
(2)

Non-SEED

Green Bank
savings,
Aug 04
(12 month)
(3)

Total
household
savings
(12 month)
(4)

Total
household
informal
savings
(12 month)
(5)

accounts,
where
respondent is
not principal
user

(12 month)
(6)

Formal
savings of
other
household
members
(12 month)
(7)

Panel A: All

Treatment

-32.050

-32.050

173.052

635.630

110.023

-133.274

435.145

(30.751)

(30.751)

(247.068)

(1,528.336)

(328.798)

(199.891)

(357.412)

Marketing

-42.985

-42.985

70.831

431.497

-204.228

-231.034

-46.531

(34.923)

(34.923)

(166.457)

(2,065.756)

(294.566)

(184.071)

(279.866)

Post

89.641

119.535

30.595

-1,176.211

-351.105

-65.708

1,201.090

(137.254)

(200.089)

(240.080)

(1,437.881)

(310.218)

(238.216)

(829.897)

Treatment x Post

388.493

173.294

-94.696

-765.850

139.738

-109.907

-957.661

(266.817)

(318.289)

(401.401)

(1,841.086)

(428.022)

(260.317)

(912.670)

Marketing x Post

117.250

-150.320

-264.563

-1,962.504

-0.744

-8.594

-417.709

(170.061)

(216.754)

(271.056)

(2,251.314)

(333.927)

(249.134)

(1,023.733)

Constant

536.490***

536.490***

624.495***

7,070.735***

968.960***

335.801**

807.554***

(24.905)

(24.905)

(134.985)

(1,203.571)

(275.337)

(170.732)

(202.638)

Number of individuals

1629

1629

1629

1629

1629

1629

1629

Observations

3258

3258

3258

3258

3258

3258

3258

R-squared_______________

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Panel B: Female
Treatment

-25.140

-25.140

15.652

93.610

333.530

-0.739

130.177

(42.067)

(42.067)

(311.576)

(2,138.988)

(362.452)

(281.494)

(418.242)

Marketing

-65.062

-65.062

52.655

-3,559.278*

7.018

-243.932

-134.758

(48.589)

(48.589)

(258.876)

(1,906.222)

(281.287)

(230.890)

(404.348)

Post

167.794

-132.264

-298.934

-1,864.689

-290.655

79.689

1,852.497

(214.898)

(134.907)

(249.230)

(2,069.854)

(300.078)

(345.891)

(1,313.925)

Treatment x Post

169.591

571.220

456.643

-321.694

-31.787

-369.644

-1,304.087

(318.075)

(427.518)

(526.824)

(2,545.251)

(516.741)

(387.318)

(1,390.769)

Marketing x Post

115.095

78.402

-38.491

2,047.061

-208.778

-116.981

-1,601.105

(263.380)

(168.034)

(304.773)

(2,257.843)

(349.298)

(353.996)

(1,432.346)

Constant

552.541***

552.541***

717.713***

8,135.578***

916.749***

323.307

927.091***

(33.739)

(33.739)

(212.253)

(1,795.772)

(230.258)

(222.198)

(279.155)

Number of individuals

970

970

970

970

970

970

970

Observations

1940

1940

1940

1940

1940

1940

1940

R-squared

0.00

0.00

0.00

0.00

0.00

0.00

0.00

Panel C: Male
Treatment

-39.948

-39.948

424.126

1,615.619

-234.063

-334.444

912.131

(43.152)

(43.152)

(395.048)

(1,966.478)

(645.267)

(265.908)

(632.975)

Marketing

-8.754

-8.754

130.633

5,893.331

-491.699

-219.680

112.157

(48.754)

(48.754)

(135.411)

(3,878.893)

(636.629)

(297.617)

(361.357)

Post

-39.966

537.115

577.081

-34.448

-451.354

-306.832

120.807

(77.774)

(481.705)

(485.369)

(1,677.985)

(658.678)

(268.529)

(329.839)

Treatment x Post

729.681

-463.950

-974.617

-1,540.336

406.961

303.099

-335.840

(458.663)

(494.203)

(630.813)

(2,480.583)

(761.178)

(269.115)

(737.654)

Marketing x Post

150.861

-538.749

-680.365

-7,299.324*

285.928

185.780

1,334.561

(143.885)

(501.664)

(517.329)

(4,098.299)

(678.848)

(300.599)

(1,196.087)

Constant

509.871***

509.871***

469.904***

5,304.815***

1,055.547*

356.522

609.317**

(35.398)

(35.398)

(69.251)

(1,162.696)

(625.386)

(265.656)

(275.589)

Number of individuals

659

659

659

659

659

659

659

Observations

1318

1318

1318

1318

1318

1318

1318

R-squared

0.00

0.00

0.00

0.01

0.00

0.01

0.00

Robust standard errors in parentheses, * significant at 10%; ** significant at 5%; *** significant at 1%. This table reports difference-
in-difference analysis on household savings for 1629 individuals who completed the follow-up survey. Post is an indicator variable
for the post-intervention observations. Column (1) is shown in order to reconcile the results in this table with the results reported in
the earlier paper, Ashraf, Karlan and Yin (2006).



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