DISCUSSION

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Table X Returns to education by quartile of spending per student

Legalistic Informality (1) (2) (3) (4)

(No Pension = 1) 1st quartile 2nd quartile 3rd quartile 4th quartile

Indigenous -0.0297 -0.00711 0.0306 0.0306

(0.0302) (0.0343) (0.0285) (0.0303)

Primary -0.0608*** -0.0284 -0.0189 -0.0218

(0.0161) (0.0232) (0.0249) (0.0242)

Secondary -0.241*** -0.196*** -0.211*** -0.195***

(0.0292) (0.0299) (0.0360) (0.0351)

Tertiary -0.502*** -0.505*** -0.456*** -0.489***

(0.0408) (0.0433) (0.0413) (0.0417)

I*Primary 0.0186 0.00157 -0.0274 -0.0569*

(0.0317) (0.0322) (0.0312) (0.0311)

I*Secondary 0.127*** 0.0832* 0.0823* 0.0223

(0.0423) (0.0470) (0.0443) (0.0466)

I*Tertiary -0.0259 -0.00794 0.0666 0.0561

(0.0568) (0.0612) (0.0713) (0.0695)

Public School -0.0141 0.00127 -0.0261 -0.0540*

(0.0257) (0.0283) (0.0327) (0.0290)

Rural 0.0806*** 0.0217 -0.0101 0.0396

(0.0302) (0.0311) (0.0312) (0.0343)

Female 0.194*** 0.196*** 0.215*** 0.226***

(0.0238) (0.0170) (0.0215) (0.0213)

Married -0.0193 0.00128 -0.0256* 0.0187

(0.0145) (0.0142) (0.0143) (0.0155)

Chronic Illness -0.0402** -0.0201 -0.0176 -0.00559

(0.0160) (0.0144) (0.0169) (0.0154)

Migrated -0.0239 0.0134 0.0129 -0.000487

(0.0198) (0.0150) (0.0171) (0.0205)

Tenure 0.00124 0.00212*** 0.00269*** 0.00316***

(0.000801) (0.000614) (0.000743) (0.000733)

Bedrooms -0.0112** -0.00841 -0.00609 -0.00487

(0.00501) (0.00572) (0.00445) (0.00475)

Electricity -0.0399* -0.0568*** -0.0310 -0.0255

(0.0209) (0.0173) (0.0204) (0.0259)

Piped Water -0.0233 -0.0408** -0.0473** 0.00577

(0.0200) (0.0196) (0.0198) (0.0289)

Landline -0.0273 -0.0628** -0.0452 -0.125***

(0.0215) (0.0245) (0.0322) (0.0300)

Mobile -0.0520*** -0.0537*** -0.00913 -0.0493***

(0.0151) (0.0179) (0.0187) (0.0178)

Internet -0.0791* -0.0234 -0.0866 0.0277

(0.0476) (0.0320) (0.0538) (0.0334)

Sanitation -0.00654 -0.00455 -0.0386* -0.0170

54

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