Table 3.
Differential Impacts of Treatment on Loan Renewal by Standardized Household Characteristics
| Loan Renewal | Clients | |
|---|---|---|
| (1) | (2) | |
| Panel A. Baseline Health Indicators | ||
| Chronic disease, any in household | −0.016 (0.013) | 5070 |
| Chronic disease, any family history | −0.015 (0.013) | 5070 |
| Self-reported health, household average | −0.001 (0.015) | 5062 |
| Any household member in poor health | −0.028** (0.014) | 5062 |
| Any consultation for symptoms, previous 30 days | −0.009 (0.015) | 5056 |
| Any household member who smokes or drinks | −0.015 (0.015) | 5063 |
| Panel B. Baseline Pregnancy Indicators | ||
| Any household member plans to have baby | −0.014 (0.017) | 5169 |
| Number of females aged 17-to-24 in household | −0.002 (0.014) | 5366 |
| Panel C. Predicted Endline Health and Pregnancy | ||
| Spend night in hospital, predicted | −0.005 (0.014) | 4700 |
| Health expenditures, predicted | −0.020 (0.015) | 4700 |
| Pregnancy, predicted | −0.009 (0.016) | 5169 |
| Panel D. Endline Health and Pregnancy | ||
| Spent night in hospital | 0.013 (0.015) | 5355 |
| Health expenditures | −0.010 (0.014) | 5358 |
| New baby, between baseline and endline | 0.017 (0.013) | 5366 |
| Panel E. Baseline Economic Indicators | ||
| Household consumption, previous year | 0.032* (0.017) | 5232 |
| Self-reported financial status | −0.012 (0.017) | 4881 |
| Household owns business | −0.029 (0.019) | 5233 |
Notes: From estimating equation (2), each row of column 1 reports impacts on loan renewal from interaction terms between treatment and the indicated household characteristic (normalized to have standard deviation of one). Robust standard errors, clustered by village, are reported in parantheses.
*** denotes statistical significance at the 1% level, ** at the 5% level, and * at the 10% level.