{
  "title": "Utilization of Financial Instruments",
  "label": "tab_finance_double",
  "number": "Appendix Table 15",
  "status": "parsed_from_latex",
  "columns": [
    "c0",
    "Borrowing Info Including Experiment Loan / Any External Loan",
    "Formal Loan",
    "Informal Loan",
    "Rosca Credit",
    "Total External Loans",
    "Total Loans",
    "Rosca Savings",
    "Personl Savings",
    "Finance Index"
  ],
  "rows": [
    {
      "c0": "Panel A: Female Participants",
      "Borrowing Info Including Experiment Loan / Any External Loan": "",
      "Formal Loan": "",
      "Informal Loan": "",
      "Rosca Credit": "",
      "Total External Loans": "",
      "Total Loans": "",
      "Rosca Savings": "",
      "Personl Savings": "",
      "Finance Index": ""
    },
    {
      "c0": "Microcredit",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.216***",
      "Formal Loan": "723.128***",
      "Informal Loan": "6.071",
      "Rosca Credit": "43.846",
      "Total External Loans": "773.045***",
      "Total Loans": "2837.235***",
      "Rosca Savings": "33.906",
      "Personl Savings": "33.403",
      "Finance Index": "0.188***"
    },
    {
      "c0": "/",
      "Borrowing Info Including Experiment Loan / Any External Loan": "(0.029)",
      "Formal Loan": "(131.368)",
      "Informal Loan": "(87.255)",
      "Rosca Credit": "(41.025)",
      "Total External Loans": "(167.609)",
      "Total Loans": "(175.362)",
      "Rosca Savings": "(37.522)",
      "Personl Savings": "(24.681)",
      "Finance Index": "(0.061)"
    },
    {
      "c0": "In-kind grant",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.021",
      "Formal Loan": "82.890",
      "Informal Loan": "219.232",
      "Rosca Credit": "-34.946",
      "Total External Loans": "267.176",
      "Total Loans": "272.877",
      "Rosca Savings": "167.958**",
      "Personl Savings": "78.977**",
      "Finance Index": "0.231***"
    },
    {
      "c0": "/",
      "Borrowing Info Including Experiment Loan / Any External Loan": "(0.033)",
      "Formal Loan": "(150.364)",
      "Informal Loan": "(133.840)",
      "Rosca Credit": "(29.688)",
      "Total External Loans": "(218.465)",
      "Total Loans": "(218.981)",
      "Rosca Savings": "(71.727)",
      "Personl Savings": "(33.741)",
      "Finance Index": "(0.088)"
    },
    {
      "c0": "Cash grant",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.026",
      "Formal Loan": "-90.080",
      "Informal Loan": "249.513**",
      "Rosca Credit": "-63.723**",
      "Total External Loans": "95.709",
      "Total Loans": "90.929",
      "Rosca Savings": "80.339",
      "Personl Savings": "70.647**",
      "Finance Index": "0.101"
    },
    {
      "c0": "/",
      "Borrowing Info Including Experiment Loan / Any External Loan": "(0.032)",
      "Formal Loan": "(142.480)",
      "Informal Loan": "(125.282)",
      "Rosca Credit": "(27.063)",
      "Total External Loans": "(201.591)",
      "Total Loans": "(201.690)",
      "Rosca Savings": "(54.720)",
      "Personl Savings": "(29.215)",
      "Finance Index": "(0.074)"
    },
    {
      "c0": "Mean",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.378",
      "Formal Loan": "876.916",
      "Informal Loan": "457.959",
      "Rosca Credit": "108.449",
      "Total External Loans": "1443.324",
      "Total Loans": "1443.324",
      "Rosca Savings": "97.237",
      "Personl Savings": "55.927",
      "Finance Index": "0.000"
    },
    {
      "c0": "Joint significance of treatments",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.000",
      "Formal Loan": "0.000",
      "Informal Loan": "0.098",
      "Rosca Credit": "0.006",
      "Total External Loans": "0.000",
      "Total Loans": "0.000",
      "Rosca Savings": "0.091",
      "Personl Savings": "0.025",
      "Finance Index": "0.006"
    },
    {
      "c0": "Same effect across treatments",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.000",
      "Formal Loan": "0.000",
      "Informal Loan": "0.087",
      "Rosca Credit": "0.009",
      "Total External Loans": "0.002",
      "Total Loans": "0.000",
      "Rosca Savings": "0.182",
      "Personl Savings": "0.344",
      "Finance Index": "0.350"
    },
    {
      "c0": "N",
      "Borrowing Info Including Experiment Loan / Any External Loan": "1835",
      "Formal Loan": "1835",
      "Informal Loan": "1835",
      "Rosca Credit": "1835",
      "Total External Loans": "1835",
      "Total Loans": "1835",
      "Rosca Savings": "1835",
      "Personl Savings": "1834",
      "Finance Index": "1835"
    },
    {
      "c0": "Panel B: Male Participants",
      "Borrowing Info Including Experiment Loan / Any External Loan": "",
      "Formal Loan": "",
      "Informal Loan": "",
      "Rosca Credit": "",
      "Total External Loans": "",
      "Total Loans": "",
      "Rosca Savings": "",
      "Personl Savings": "",
      "Finance Index": ""
    },
    {
      "c0": "Microcredit",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.164***",
      "Formal Loan": "280.424",
      "Informal Loan": "-365.252",
      "Rosca Credit": "-150.627**",
      "Total External Loans": "-235.455",
      "Total Loans": "1878.747***",
      "Rosca Savings": "-53.414",
      "Personl Savings": "201.524",
      "Finance Index": "-0.069"
    },
    {
      "c0": "/",
      "Borrowing Info Including Experiment Loan / Any External Loan": "(0.036)",
      "Formal Loan": "(237.485)",
      "Informal Loan": "(240.210)",
      "Rosca Credit": "(63.950)",
      "Total External Loans": "(356.526)",
      "Total Loans": "(360.381)",
      "Rosca Savings": "(100.296)",
      "Personl Savings": "(205.702)",
      "Finance Index": "(0.067)"
    },
    {
      "c0": "In-kind grant",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.037",
      "Formal Loan": "-229.743",
      "Informal Loan": "178.587",
      "Rosca Credit": "-8.029",
      "Total External Loans": "-59.185",
      "Total Loans": "-62.152",
      "Rosca Savings": "-101.385",
      "Personl Savings": "258.544",
      "Finance Index": "-0.021"
    },
    {
      "c0": "/",
      "Borrowing Info Including Experiment Loan / Any External Loan": "(0.042)",
      "Formal Loan": "(265.855)",
      "Informal Loan": "(346.094)",
      "Rosca Credit": "(74.538)",
      "Total External Loans": "(442.935)",
      "Total Loans": "(443.233)",
      "Rosca Savings": "(85.756)",
      "Personl Savings": "(261.106)",
      "Finance Index": "(0.075)"
    },
    {
      "c0": "Cash grant",
      "Borrowing Info Including Experiment Loan / Any External Loan": "-0.019",
      "Formal Loan": "-218.746",
      "Informal Loan": "-448.213*",
      "Rosca Credit": "-45.383",
      "Total External Loans": "-712.342*",
      "Total Loans": "-712.696*",
      "Rosca Savings": "6.944",
      "Personl Savings": "337.228",
      "Finance Index": "-0.046"
    },
    {
      "c0": "/",
      "Borrowing Info Including Experiment Loan / Any External Loan": "(0.042)",
      "Formal Loan": "(276.356)",
      "Informal Loan": "(258.286)",
      "Rosca Credit": "(99.885)",
      "Total External Loans": "(402.127)",
      "Total Loans": "(402.076)",
      "Rosca Savings": "(115.085)",
      "Personl Savings": "(339.285)",
      "Finance Index": "(0.089)"
    },
    {
      "c0": "Mean",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.440",
      "Formal Loan": "1591.530",
      "Informal Loan": "1239.809",
      "Rosca Credit": "206.448",
      "Total External Loans": "3037.787",
      "Total Loans": "3037.787",
      "Rosca Savings": "256.967",
      "Personl Savings": "676.621",
      "Finance Index": "0.000"
    },
    {
      "c0": "Joint significance of treatments",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.000",
      "Formal Loan": "0.095",
      "Informal Loan": "0.096",
      "Rosca Credit": "0.008",
      "Total External Loans": "0.275",
      "Total Loans": "0.000",
      "Rosca Savings": "0.554",
      "Personl Savings": "0.616",
      "Finance Index": "0.757"
    },
    {
      "c0": "Same effect across treatments",
      "Borrowing Info Including Experiment Loan / Any External Loan": "0.000",
      "Formal Loan": "0.041",
      "Informal Loan": "0.130",
      "Rosca Credit": "0.014",
      "Total External Loans": "0.241",
      "Total Loans": "0.000",
      "Rosca Savings": "0.526",
      "Personl Savings": "0.916",
      "Finance Index": "0.779"
    },
    {
      "c0": "N",
      "Borrowing Info Including Experiment Loan / Any External Loan": "1240",
      "Formal Loan": "1240",
      "Informal Loan": "1240",
      "Rosca Credit": "1240",
      "Total External Loans": "1240",
      "Total Loans": "1240",
      "Rosca Savings": "1240",
      "Personl Savings": "1230",
      "Finance Index": "1240"
    }
  ],
  "source_file": "inline_latex_table",
  "published_asset": null
}