# **Table A 9: Direct Impact Results-for ATT (Kernel matching)**<sup>**29**</sup>

|**Variables**|**Treatment**|**Control**|**Difference**|**Percent**<br>**Change**|**Standard**<br>**Error **|
|---|---|---|---|---|---|
|Percentage of Members in the Household having any Bank Account|66.439|62.482|3.957***|6.300***|1.007|
|Percentage of Females in the Household having any Bank Account|69.677|61.721|7.956***|12.900***|1.256|
|Total Number of Livelihood Activities in a Household (Including<br>Unpaid Livelihoods)|3.962|3.201|0.761***|23.800***|0.075|
|Number of Livelihoods of Female Household Members|1.387|0.97|0.417***|43.000***|0.039|
|Number of Adult Female (15 to 64 years) Household Members with<br>Any Livelihood Activity|0.65|0.474|0.176***|37.000***|0.022|
|WPR for Female Household Members with Self-Employed<br>Livelihood Activity|0.333|0.268|0.065***|24.200***|0.013|
|<br>WPR for Female Household Members with Self-employed<br>Livelihoods Non-Farm|0.025|0.019|0.006|33.9|0.004|
|WPR for Female Household Members with Self-employed<br>Livelihoods Farm|0.315|0.253|0.062***|24.700***|0.013|
|WPR for Female Household Members with Casual Livelihoods Farm<br>& Non-farm|0.124|0.109|0.015|14|0.009|
|WPR for Female Household Members with Formal Livelihoods<br>Salaried|0.016|0.008|0.008***|93.700***|0.003|
|WPR for Household Members with Any Livelihood Activity|0.521|0.515|0.007|1.3|0.009|
|WPR for FemaleHouseholdMemberswith AnyLivelihoodActivity|0.465|0.403|0.062***|15.400***|0.014|
|WPR for Adult (15 to 65 years) Female Household Members with<br>AnyLivelihoodActivity|0.621|0.538|0.083***|15.400***|0.016|
|WPR for Adult (15 to 65 years) Female Household Members with<br>|0.445|0.369|0.075***|20.400***|0.016|
|Any Livelihood Activity (Paid Only)||||||
|WPR for Male Household Members with Any Livelihood Activity|0.635|0.656|-0.021*|-3.200*|0.011|
|Difference between Male and Female Household Members WPR<br>with Any Livelihood Activity|0.177|0.26|-0.083***|-31.900***|0.016|
|<br>RatioFemale toMaleWPR with AnyLivelihoodActivity|0.83|0.672|0.158***|23.500***|0.03|
|Log Total Formal Savings (Rs.) in the last 12 months-winsorized|7.854|7.201|0.653***|9.100***|0.103|
|Log Total Informal Savings (Rs.) in the last 12 months-winsorized<br>LogTotalSavings (Rs.)inthelast12 months-winsorized|3.128<br>8.196|3.53<br>7.89|-0.402***<br>0.306***|-11.400***<br>3.900***|0.132<br>0.082|
|Log of Total Amount Borrowed for Outstanding Loans|4.152|1.317|2.835***|215.300***|0.14|
|Log of Total Outstanding Loans|3.649|1.225|2.424***|197.900***|0.133|
|Share of Total Informal Savings to Total Savings in the last 12<br>months-winsorized|0.862|0.808|0.054***|6.700***|0.01|
|AverageAnnual InterestRate ofOutstandingLoans|20.472|24.741|-4.269**|-17.300**|2.04|
|Number of Fully Productive Loans in past 12 months|0.205|0.059|0.147***|250.600***|0.012|
|Number of Partially Productive Loans in past 12 months|0.039|0.007|0.032***|477.700***|0.005|
|Numberof Loanswith NoCollateralgiven inpast12 months|0.499|0.135|0.364***|268.800***|0.019|
|<br>Does the Household have a Loan? (Y/N)|0.461|0.144|<br>0.317***|<br>219.300***|0.015|
|Has the Household given Any Collateral for Loan in last 12 months?<br>(Y/N)|0.018|0.032|-0.014***|-44.300***|0.005|
|Has the Household taken Any Productive Loan in past 12 months?<br>(Y/N)|0.231|0.062|0.169***|272.800***|0.012|
|<br>Total Irrigatedland owned byHousehold (acres)|1.35|1.012|0.338|33.4|0.472|
|Total land owned by Household (acres)|3.92|3.246|0.674|20.8|0.481|
|Total land Leased by Household (acres)<br>|0.046|0.052|-0.006|-10.8|0.013|
|Total land owned andLeased byHousehold (acres)|3.966|3.298|0.668|20.3|0.481|
|Total Number of Consumptive Assets Owned Now|3.844|3.329|0.515***|15.500***|0.121|
|Total Number of Livestock Assets Owned Now|5.744|2.507|3.237*|129.200*|1.736|
|Total Numberof ProductiveAssets OwnedNow|1.541|1.471|0.07|4.7|0.075|
|Total Number of Productive Assets Owned Change<br>Total Number of Livestock Assets Owned Change|0.319<br>0.78|0.304<br>0.565|0.015<br>0.215|5<br>38.1|0.027<br>2.283|
|<br>Total NumberofConsumptiveAssets Owned Change|1.422|1.294|0.127*|9.800*|0.066|
|Total Number of Nights Spent by all Members Outside Home last<br>year|9.4|4.129|5.271***|127.600***|1.252|
|<br>Total Yearly Cash & In-kind Income from all sources in Rs. -<br>winsorized-1percent|74,596.49|70,324.09|4,272.40|6.1|2,604.99|
|<br>Total Yearly Cash & In-kind Income from Migration in Rs. -|1,671.71|743.942|927.772***|124.700***|205.053|
|winsorized-1 percent||||||
|<br>Total Yearly Cash & In-kind Income from Livestock in Rs. -|2,499.80|2,583.40|-83.6|-3.2|467.293|
|winsorized-1percent||||||

> 29 Significance levels: *:10%, **:5%, ***:1%

37