Social Impact Assessment of Microfinance Programmes - weman

Table 7.6: Regression results
Young Borrowers
Old Borrowers
Single Difference Double Difference Single Difference Double Difference
Dependent Variable
Coefficient t-value 1 Coefficient t-value Coefficient t-value Coefficient t-value
Log(Respondent Income) 0.05 0.39 0.26 1.68 ** 0.70 5.73 *** 0.89 5.63 ***
Log(Household Income) 0.11 1.30 0.32 2.82 *** 0.24 2.45 ** 0.48 3.83 ***
Log(Per Capita Income) 0.11 1.31 0.24 2.01 ** 0.22 2.06 ** 0.40 2.94 ***
Log(Total Household Expenditure) 0.07 1.76 * 0.11 2.04 ** -0.002 -0.03 0.02 0.29
Log(Food Expenditure) 0.02 0.38 0.03 0.48 -0.05 -0.93 -0.06 -0.94
Educational Expenditure 38.20 0.48 42.00 0.44 47.40 0.61 23.50 0.25
Health Expenditure -100.00 -0.98 28.80 0.27 47.00 0.41 208.00 1.70 *
Savings -23.19 -0.29 75.00 0.81 -153.00 -2.09 ** -60.50 -0.68
Asset Score 0.97 2.97 *** 0.36 0.78 -0.25 -0.72 -0.75 -1.55
Children Enrolled in School(%) 6.81 1.17 9.13 1.16 8.10 1.32 8.50 1.05
Boys Enrolled in School(%) 2.82 0.50 3.27 0.46 3.64 0.64 3.70 0.51
Girls Enrolled in School(%) 2.61 0.43 14.12 1.72 * 1.45 0.25 8.86 1.06
Women's Empowerment (Overall Index) 2 -3.42 -1.93 * 0.82 0.24 0.45 0.07 0.68 0.10
Economic Empowerment -2.10 -2.43 ** -0.79 -0.51 0.06 0.01 -0.04 -0.01
Income Empowerment -0.98 -3.05 *** 0.31 0.55 -1.07 -0.95 -0.21 -0.22
Asset Empowerment -0.05 -0.91 0.51 1.23 -1.43 -1.75 * -0.84 -1.08
Empowerment related with Education and
Health -0.59 -1.18 -0.03 -0.04 1.78 1.36 0.90 0.55
Social Empowerment 0.30 0.81 0.83 1.25 1.12 1.24 0.86 0.73
1 Significant at 10%(*), Significant at 5%(**), Significant at 1% (***)
2 Score based on 47 questions, the other idices listed below are a breakdown of this index. Refer to questionnaire for detail.
Note: Young Borrowers are clients who have taken two loans or less and Old borrowers are those who have taken between 3 to 7 loans.