Outcomes | Counterfactual | Actual | ATU | |||||
---|---|---|---|---|---|---|---|---|
Mean | Std.Err | Mean | Std.Err | Mean | Std.Err | |||
General Credit Access | If none certificates become CGROs | 0.080 | 0.014 | None certificates remain none | 0.093 | 0.037 | 0.008 | 0.006 |
If none certificates become CCROs | 0.098 | 0.014 | None certificates remain none | 0.104 | 0.041 | 0.001 | 0.002 | |
If CCROs become CGROs | 0.097 | 0.016 | CCROs remain CCROs | 0.104 | 0.025 | 0.021 | 0.019 | |
Informal Credit Access | If none certificates become CGROs | 0.076 | 0.022 | None certificates remain none | 0.088 | 0.022 | 0.021*** | 0.00 1 |
If none certificates become CCROs | 0.077 | 0.021 | None certificates remain none | 0.098 | 0.024 | 0.008** | 0.004 | |
If CCROs become CGROs | 0.081 | 0.011 | CCROs remain CCROs | 0.090 | 0.024 | 0.012* | 0.007 | |
Formal Credit Access | If none certificates become CGROs | 0.035 | 0.007 | None certificates remain none | 0.018 | 0.002 | 0.018** | 0.008 |
If none certificates become CCROs | 0.018 | 0.005 | None certificates remain none | 0.018 | 0.003 | 0.006* | 0.003 | |
If CCROs become CGROs | 0.037 | 0.010 | CCROs remain CCROs | 0.027 | 0.009 | 0.011 * | 0.006 |