1) are favouring toward DECSI loan participant households when compared to non-participant ones and their differences are statistically significant, it is liable to conclude that participation is improving household level welfare.
1), propensity score matching (ATT calculation) for outcome (household welfare) indicators are computed for DECSI microfinance participant and non-participant households.
In all comparisons, DECSI loan participants have higher average household & productive assets than non-participant households, but the difference is not statistically significant except under kernel approach for overall sample.
Household items and jewellery purchase is significantly lower for DECSI loan participants relative to non-participants in nearest neighbour comparison techniques.
That is subject to authenticity of conditioning (control) variables (21) predicting the DECSI loan participation dummy in propensity score estimation.
A composite of six empowerment indicators (Cumulative Empowerment Index: CEI) (22) combining both quantitative and qualitative data collected from wife in a household is indexed in order to get a comprehensive feature of women's intra-household level empowerment for both DECSI loan participants and non-participants.
But, microfinance interventions including DECSI are not sufficient to reach these dimensions if not supported by other joint programmes that work in integration.