# **Table A 7: Direct Impact Results- for ITT (Kernel Matching)**<sup>**27**</sup>

|**Variables**|**Treatment**|**Control**|**Difference**|**Percent**<br>**Change**<sup>**28**</sup>|**Standard**<br>**Error **|
|---|---|---|---|---|---|
|Percentage of Members in the Household having any Bank Account|66.365|63.138|3.227***|<br>5.100***|<br>0.981|
|<br>Percentage of Females in the Household having any Bank Account|68.751|62.294|6.457***|10.400***|1.219|
|Total Number of Livelihood Activities in a Household (Including<br>Unpaid Livelihoods)|3.842|3.191|0.651***|20.400***|0.072|
|Number of Livelihoods of Female Household Members|1.333|0.963|0.370***|38.500***|0.037|
|Number of Adult Female (15 to 64 years) Household Members with<br>Any Livelihood Activity|0.624|0.47|0.154***|32.800***|0.021|
|WPR for Female Household Members with Self-Employed Livelihood<br>Activity|0.328|0.269|0.058***|21.500***|0.013|
|WPR for Female Household Members with Self-employed<br>Livelihoods Non-Farm|0.026|0.019|0.007*|36.800*|0.004|
|WPR for Female Household Members with Self-employed<br>Livelihoods Farm|0.308|0.254|0.054***|21.400***|0.013|
|WPR for Female Household Members with Casual Livelihoods Farm<br>& Non-farm|0.122|0.107|0.015*|13.700*|0.009|
|WPR for Female Household Members with Formal Livelihoods<br>Salaried|0.015|0.009|0.007**|75.900**|0.003|
|WPR for Household Members with Any Livelihood Activity|0.527|0.517|0.01|1.9|0.009|
|WPR for FemaleHouseholdMemberswith AnyLivelihoodActivity|0.459|0.404|0.055***|13.600***|0.013|
|WPR for Adult (15 to 65 years) Female Household Members with<br>AnyLivelihoodActivity|0.613|0.536|0.077***|14.400***|0.016|
|<br>WPR for Adult (15 to 65 years) Female Household Members with<br>|0.441|0.368|0.073***|19.900***|0.016|
|Any Livelihood Activity (Paid Only)||||||
|<br>WPR for Male Household Members with Any Livelihood Activity|0.646|0.659|-0.013|-1.9|0.01|
|Difference between Male and Female Household Members WPR with|0.193|0.263|-0.070***|-26.800***|0.016|
|Any Livelihood Activity||||||
|<br>RatioFemale toMaleWPR with AnyLivelihoodActivity|0.801|0.669|0.131***|19.600***|0.028|
|Log Total Formal Savings (Rs.) in the last 12 months-winsorized<br>|7.689<br>|7.236<br>|0.453***<br>|6.300***<br>|0.104<br>|
|Log Total Informal Savings (Rs.) in the last 12 months-winsorized|3.201|3.549|-0.348***|-9.800***|0.128|
|<br>LogTotalSavings (Rs.)inthelast12 months-winsorized|8.096|7.91|0.186**|2.400**|0.084|
|Log of Total Amount Borrowed for Outstanding Loans|3.478|1.328|2.150***|161.900***|0.132|
|Log of Total Outstanding loans|3.057|1.238|1.819***|146.900***|0.125|
|Share of Total Informal Savings to Total Savings in the last 12<br>months-winsorized|0.851|0.809|0.042***|5.200***|0.01|
|AverageAnnual InterestRate ofOutstandingLoans|20.393|25.301|-4.908**|-19.400**|2.087|
|Number of Fully Productive Loans in past 12 months|0.173|0.061|0.112***|183.200***|0.011|
|Number of Partially Productive Loans in past 12 months|0.031|0.006|0.025***|382.800***|0.004|
|Numberof Loanswith No Collateralgiven inpast12 months|0.413|0.134|0.279***|208.500***|0.017|
|Does the Household have a Loan? (Y/N)|0.386|0.145|0.241***|166.300***|0.014|
|Has the Household given Any Collateral for Loan in last 12 months?<br>(Y/N)|0.019|0.033|-0.014***|-42.000***|0.005|
|<br>Has the Household taken Any Productive Loan in past 12 months?<br>(Y/N)|0.194|0.065|0.129***|200.600***|0.011|
|<br>Total Irrigatedland owned byHousehold (acres)|1.27|1.039|0.231|22.3|0.393|
|Total land owned by Household (acres)|3.836|3.276|0.56|17.1|0.403|
|Total land Leased by Household (acres)|0.04|0.052|-0.013|-24.3|0.012|
|Total landownedandLeasedbyHousehold(acres)|3.876|3.328|0.548|16.5|0.403|
|<br>Total Number of Consumptive Assets Owned Now|3.775|3.366|0.409***|12.100***|0.125|
|Total Number of Livestock Assets Owned Now<br>|5.345<br>|2.45<br>|2.895**<br>|118.200**<br>|1.404<br>|
|Total Numberof ProductiveAssets OwnedNow<br>Ttl Nb f Pdti At Od Ch|1.565<br>033|1.476<br>031|0.089<br>002|6<br>66|0.072<br>0026|
|oa umer o roucve sses wne ange<br>Total Number of Livestock Assets Owned Change|.<br>0.843|.<br>0.543|.<br>0.3|.<br>55.3|.<br>1.842|
|<br>Total NumberofConsumptiveAssets Owned Change|1.356|1.298|0.058|4.5|0.065|
|Total Number of Nights Spent by all Members Outside Home last year|9.332|4.02|5.312***|132.100***|1.186|
|<br>Total Yearly Cash & In-kind Income from all sources in Rs. -|75,016.91|71,739.51|3,277.41|4.6|3,134.15|
|winsorized-1 percent||||||
|<br>Total Yearly Cash & In-kind Income from Migration in Rs. -|1,636.87|718.543|918.329***|127.800***|186.772|
|winsorized-1 percent||||||
|<br>Total Yearly Cash & In-kind Income from Livestock in Rs. -|2,452.40|2,552.15|-99.745|-3.9|438.385|
|winsorized-1 percent||||||

> 27 Significance levels: *:10%, **:5%, ***:1%

> 28 Percent increase or decrease in treatment areas compared to control areas.

33