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



Table 7: Impact on Savings Attitude
Ordered Probit

I often regret spending, I

Although my income is                              When I have a little cash, I wish I was more disciplined

Dependent variable: low, I'm a disciplined saver I never save spend it rather than save            to save

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

Panel A: All

Treatment

0.025

-0.053

-0.104

-0.021

-0.095

-0.051

0.181***

0.160**

(0.069)

(0.080)

(0.072)

(0.083)

(0.065)

(0.077)

(0.066)

(0.078)

Marketing

0.057

0.073

-0.105

-0.064

-0.084

-0.105

0.070

0.102

(0.078)

(0.091)

(0.085)

(0.098)

(0.075)

(0.090)

(0.074)

(0.088)

Time inconsistent, baseline

-0.147

0.252*

0.109

0.043

(0.126)

(0.138)

(0.115)

(0.120)

Treatment x Time inconsistent, baseline

0.300*

-0.303*

-0.163

0.082

(0.156)

(0.165)

(0.146)

(0.149)

Marketing x Time inconsistent, baseline

-0.050

-0.152

0.064

-0.102

(0.175)

(0.195)

(0.161)

(0.161)

Observations______________________________

1629

1626

1629

1626

1629

1626

1629

1626

Panel B: Female

Treatment

-0.021

-0.136

-0.049

0.069

-0.104

-0.005

0.130

0.153

(0.088)

(0.103)

(0.093)

(0.107)

(0.081)

(0.097)

(0.084)

(0.101)

Marketing

0.176*

0.160

-0.148

-0.082

-0.214**

-0.209*

0.118

0.184

(0.103)

(0.123)

(0.112)

(0.132)

(0.099)

(0.123)

(0.096)

(0.118)

Time inconsistent, baseline

-0.310**

0.308*

0.216

0.069

(0.158)

(0.173)

(0.136)

(0.140)

Treatment x Time inconsistent, baseline

0.395**

-0.389*

-0.339*

-0.072

(0.196)

(0.209)

(0.180)

(0.180)

Marketing x Time inconsistent, baseline

0.040

-0.209

-0.018

-0.216

(0.225)

(0.246)

(0.199)

(0.203)

Observations______________________________

970

968

970

968

970

968

970

968

Panel C: Male

Treatment

0.105

0.065

-0.199*

-0.155

-0.084

-0.123

0.257**

0.170

(0.112)

(0.128)

(0.116)

(0.133)

(0.110)

(0.126)

(0.109)

(0.121)

Marketing

-0.066

-0.007

-0.077

-0.066

0.073

-0.000

0.010

-0.001

(0.118)

(0.135)

(0.131)

(0.148)

(0.118)

(0.134)

(0.117)

(0.134)

Time inconsistent, baseline

0.128

0.196

-0.118

-0.014

(0.213)

(0.222)

(0.212)

(0.241)

Treatment x Time inconsistent, baseline

0.133

-0.200

0.168

0.344

(0.263)

(0.266)

(0.255)

(0.277)

Marketing x Time inconsistent, baseline

-0.249

-0.080

0.285

0.066

(0.283)

(0.312)

(0.279)

(0.288)

Observations______________________________

659

658

659

658

659

658

659

658

Robust standard errors in parentheses, * significant at 10%; ** significant at 5%; *** significant at 1%. Dependent variables are categorical, indicating how strongly
the respondent agrees to each statement. The variable equals one if the respondent strongly disagree, two if somewhat disagree, three if neutral, four if somewhat agree,
and five if strongly agree.



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