Regresio MCO

Accedi a
crdito
productivo
Brecha de
ingreso
Accedi a
crdito
productivo
formal
Accedi a
crdito
productivo
informal
crdito
sex
edad
edad2
nhog
aosesc
etmez
0.78969 *
0.69594 *
0.17491
0.52610 *
0.40713 *
0.39655 *
0.06639 *
0.01956
0.01978
-0.00053 *
-0.00014
-0.00014
-0.19721 *
-0.17167 *
-0.17162 *
0.07977 *
0.05369 *
0.05386
0.16703
0.08149
0.09183
etbla
0.48814 *
estcivc
estcivs
zona
0.26288 *
0.06599
0.07215
0.13558
-0.03123
-0.01794
0.31231 *
0.21236 *
0.19839 *
hortrab
0.29196 **
0.02642 **
cpropia
emplea
patrono
negfun
aosfun
negruc
cons
0.31255 *
0.02814 **
0.69520 *
0.70591 *
-0.36135 *
-0.35830 *
1.5536 *
1.60095 *
2.2976 *
2.30046 *
-0.00148
-0.00234
0.81697 *
0.87647 *
-4.3883 -5.62692 *
-5.58947 *
0.1892
0.4338
0.4254
*Significativas a un 5%
**Significativas a un 10%
Linear
brecha
F( 19, 662)
Prob > F
R-squared
Root MSE
Number of
obs
=
=
=
=
Robust
Coef.
Std. Err.
regression
682
6.48
0
0.2662
439.26
P>t
[95% Conf.
credito
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactur
a
oaosfun
-190.1962
-29.02699
27.02304
-116.6077
-1.403332
-23.14663
-19.5584
-135.3612
-27.20086
-21.49584
-4.87819
46.76055
-101.8474
-0.4913288
-50.96001
40.20378
13.35717
15.70838
18.21122
16.46117
15.43601
16.42892
22.11757
12.2339
22.50148
15.31355
13.89689
18.0742
16.87879
19.06323
-4.730
-2.170
1.720
-6.400
-0.090
-1.500
-1.190
-6.120
-2.220
-0.960
-0.320
3.360
-5.630
-0.030
-2.670
0
0.03
0.086
0
0.932
0.134
0.234
0
0.027
0.34
0.75
0.001
0
0.977
0.008
-269.1385
-55.25452
-3.821216
-152.3665
-33.72572
-53.45606
-51.81747
-178.7902
-51.22279
-65.6787
-34.94718
19.47325
-137.337
-33.63375
-88.39169
41.48986
15.16423
2.740
0.006
11.71407
-9.816467
12.78804
-0.770
0.443
-34.92647
oempleados
-82.21294
26.69115
-3.080
0.002
-134.6224
oambulante
_cons
-14.13816
-235.4824
16.11891
16.03768
-0.880
-14.680
0.381
0
-45.78851
-266.9732
Linear
brecha
credito
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
F( 19, 279)
Prob > F
R-squared
Root MSE
Number of
obs
=
=
=
=
Robust
Coef.
Std. Err.
regression
-0.8249621
0.0418186
-1.18054
-0.4887511
-0.8610031
1.864305
-1.073405
-0.0920628
-1.418436
-1.531506
-0.5849613
1.470443
0.591018
0.5898935
0.5752542
0.6198636
0.6099694
0.8423198
0.461542
0.5222612
0.5969188
0.4248376
299
2.35
0.0014
0.1573
10.037
P>t
-0.56
0.07
-2
-0.85
-1.39
3.06
-1.27
-0.2
-2.72
-2.57
-1.38
[95% Conf.
0.575
0.944
0.046
0.396
0.166
0.002
0.204
0.842
0.007
0.011
0.17
-3.719533
-1.121602
-2.341747
-1.621141
-2.081206
0.6635783
-2.731515
-1.00061
-2.446509
-2.706543
-1.421255
onhogar
onegruc
ocomercio
otransporte
omanufactur
a
1.927123
0.3904992
-1.041205
-0.0022922
0.6955094
0.5801586
0.5755498
0.4151753
2.77
0.67
-1.81
-0.01
0.006 0.5580105
0.501 -0.7515448
0.072
-2.174176
0.996 -0.8195661
-0.2032701
0.5301338
-0.38
0.702
-1.24684
oaosfun
-0.3547193
0.5698668
-0.62
0.534
-1.476504
oempleados
-0.6736268
0.5323355
-1.27
0.207
-1.721531
oambulante
-0.3996836
0.6973652
-0.57
0.567
-1.772449
40.78333
0.6458671
63.15
39.51194
_cons
Linear
brecha
credito
sexo
edadjh
aosesc
horastrab
casado
soltero
patrono
zona
blanco
negro
nhogar
negruc
comercio
transporte
manufactura
aosfun
empleados
F( 19, 961)
Prob > F
R-squared
Root MSE
Number of
obs
=
=
=
=
Robust
Coef.
Std. Err.
regression
981
8.8
0
0.3056
377.63
P>t
[95% Conf.
-69.61623
3.210077
0.9847521
-10.84126
5.314469
-9.116541
10.58604
-201.8172
-25.20154
-52.86396
-10.92965
19.50237
-209.0712
0.0184597
-161.8871
32.33195
25.18415
0.889797
2.973092
4.305194
27.48789
60.04556
56.18376
24.87143
60.73299
63.77608
5.110823
38.75422
31.98908
63.24279
-2.15
0.13
1.11
-3.65
1.23
-0.33
0.18
-3.59
-1.01
-0.87
-0.17
3.82
-5.39
0
-2.56
0.032
-133.0656
0.899
-46.2122
0.269 -0.7614171
0
-16.67576
0.217
-3.134198
0.74
-63.05976
0.86
-107.2495
0
-312.0742
0.311
-74.01013
0.384
-172.0486
0.864
-136.0861
0
9.472711
0
-285.1238
1
-62.75806
0.011
-285.997
81.11186
32.00701
2.53
0.011
18.30017
-2.414992
-70.49069
0.9041238
19.90027
-2.67
-3.54
0.008
0
-4.189277
-109.5437
ambulante
_cons
-32.71763
35.34007
29.25358
73.61963
-1.12
0.48
ricos
brecha
credito
credito formalcredito infrmal
credito
-190.196
-174.506
-127.141
osexo
-29.027
-29.692
-28.543
oedadjh
27.023
24.886
28.580
oaosesc
-116.608
-113.759
-118.684
ohorastrab
-1.403
-0.780
-1.857
ocasado
-23.147
-19.101
-26.094
osoltero
-19.558
-17.676
-20.930
opatrono
-135.361
-137.518
-133.790
ozona
-27.201
-30.443
-24.839
oblanco
-21.496
-21.000
-21.857
onegro
-4.878
-3.012
-6.238
onhogar
46.761
46.699
46.805
onegruc
-101.847
-92.676
-108.530
ocomercio
-0.491
-1.955
0.575
otransporte
-50.960
-48.004
-53.114
omanufactur
41.490
40.812
41.984
a
oaosfun
-9.816
-9.226
-10.247
0.264
0.631
-90.1259
-109.1337
0.000
0.030
0.086
0.000
0.932
0.134
0.234
0.000
0.027
0.340
0.750
0.001
0.000
0.977
0.008
0.000
0.026
0.115
0.000
0.962
0.223
0.280
0.000
0.014
0.347
0.838
0.001
0.000
0.908
0.011
0.006
0.008
0.443
0.470
oempleados
-82.213
-82.421
-82.061
0.002
0.002
oambulante
_cons
R-squared
-14.138
-235.482
0.266
-16.388
-262.147
0.255
-12.499
-289.079
0.240
0.381
0.000
0.323
0.000
Linear
Interval]
brecha
F( 19, 662)
Prob > F
R-squared
Root MSE
Number of
obs
=
=
=
=
Robust
Coef.
Std. Err.
regression
=
6.15
0
0.2547
442.67
-111.2539
-2.799456
57.86729
-80.84901
30.91906
7.162804
12.70066
-91.93214
-3.178937
22.68703
25.1908
74.04784
-66.3577
32.65109
-13.52833
15.29353
credfor
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactur
a
oaosfun
-29.80343
oempleados
-82.42104
26.98568
-3.05
17.51218
-203.9915
oambulante
_cons
-16.38817
-262.1465
16.56295
17.17778
-0.99
-15.26
71.26565
Linear
Interval]
brecha
2.069609
1.205239
-0.0193332
0.6436386
0.3592002
3.065032
0.5847037
0.8164841
-0.3903629
-0.3564694
0.2513329
credfor
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
-174.5063
-29.69161
24.8855
-113.7585
-0.7803488
-19.10058
-17.67648
-137.5178
-30.44312
-21.00047
-3.01214
46.6992
-92.67593
-1.954995
-48.00407
47.32129
13.30629
15.77196
17.9458
16.44624
15.66355
16.35054
22.22155
12.31359
22.33386
14.74755
13.84426
17.81299
16.93063
18.87135
-3.69
-2.23
1.58
-6.34
-0.05
-1.22
-1.08
-6.19
-2.47
-0.94
-0.2
3.37
-5.2
-0.12
-2.54
40.81184
15.31066
2.67
-9.225983
12.77552
-0.72
F( 19, 279)
Prob > F
R-squared
Root MSE
Number of
obs
=
=
=
=
Robust
Coef.
Std. Err.
regression
0.3695136
0.0484646
-1.186205
-0.4889011
-0.8571279
1.860308
-1.078907
-0.1009205
-1.420525
-1.538594
1.969265
0.5925011
0.5935937
0.5749001
0.6207881
0.6063797
0.8412154
0.4857046
0.519699
0.5924461
=
2.37
0.0013
0.1565
10.042
t
0.19
0.08
-2
-0.85
-1.38
3.07
-1.28
-0.21
-2.73
-2.6
3.296235
1.532543
0.0917669
0.8149818
onegro
onhogar
onegruc
ocomercio
-0.576359
1.926719
0.3895109
-1.046069
0.4260578
0.6901512
0.5700722
0.5754179
-1.35
2.79
0.68
-1.82
0.8402999
otransporte
-0.0041505
0.4167369
-0.01
0.7670653
omanufactur
a
-0.2058082
0.5302644
-0.39
0.3742773
oaosfun
-0.3557243
0.5695453
-0.62
0.973082
oempleados
-0.6786743
0.5261837
-1.29
42.05472
oambulante
_cons
-0.391752
40.57918
0.7028512
0.6153397
-0.56
65.95
Linear
Interval]
-6.166849
52.63236
2.730921
-5.006756
13.76314
44.82668
128.4216
-91.56017
23.60704
66.32063
114.2268
29.53203
-133.0185
62.79498
-37.7772
143.9235
-0.6407072
-31.43769
brecha
credfor
sexo
edadjh
aosesc
horastrab
casado
soltero
patrono
zona
blanco
negro
nhogar
negruc
comercio
transporte
manufactura
aosfun
empleados
F( 19, 961)
Prob > F
R-squared
Root MSE
Number of
obs
=
=
=
=
Robust
Coef.
Std. Err.
regression
=
8.87
0
0.3053
377.72
-77.48788
1.03314
0.9600397
-10.92624
4.668436
-5.892817
12.82329
-208.2074
-28.15518
-48.72592
-12.90978
19.31954
-201.6139
-3.519394
-162.1209
39.6573
25.23181
0.8910424
2.950204
4.324231
27.45585
60.02415
56.93201
24.54289
60.82976
62.0326
5.124214
37.85982
30.62312
60.30368
-1.95
0.04
1.08
-3.7
1.08
-0.21
0.21
-3.66
-1.15
-0.8
-0.21
3.77
-5.33
-0.11
-2.69
77.00825
31.44247
2.45
-2.291247
-71.08331
0.9113306
19.92957
-2.51
-3.57
24.69064
179.8138
ambulante
_cons
-35.20993
40.05374
29.0139
73.73762
-1.21
0.54
0.428
pobres
brecha
credito
credito
-0.825
0.370
-1.791
osexo
0.042
0.048
0.074
oedadjh
-1.181
-1.186
-1.208
oaosesc
-0.489
-0.489
-0.489
ohorastrab
-0.861
-0.857
-0.842
ocasado
1.864
1.860
1.845
osoltero
-1.073
-1.079
-1.100
opatrono
-0.092
-0.101
-0.135
ozona
-1.418
-1.421
-1.429
oblanco
-1.532
-1.539
-1.566
onegro
-0.585
-0.576
-0.543
onhogar
1.927
1.927
1.925
onegruc
0.390
0.390
0.386
ocomercio
-1.041
-1.046
-1.065
otransporte
-0.002
-0.004
-0.011
omanufactur
-0.203
-0.206
-0.216
a
oaosfun
-0.355
-0.356
-0.360
0.002
oempleados
-0.674
-0.679
-0.698
0.437
0.000
oambulante
_cons
R-squared
-0.400
40.783
0.157
-0.392
40.579
0.157
-0.361
40.807
0.159
0.044
0.036
0.074
0.000
0.911
0.106
0.200
0.000
0.049
0.335
0.688
0.001
0.000
0.973
0.007
0.006
682
Linear
regression
F( 19, 662)
Prob > F
R-squared
Root MSE
P>t
[95% Conf.
Interval]
brecha
Robust
Coef.
0
0.026
0.115
0
0.962
0.223
0.28
0
0.014
0.347
0.838
0.001
0
0.908
0.011
-267.4242
-55.81923
-6.083587
-148.996
-33.07342
-49.85681
-49.78166
-181.151
-54.62152
-64.85422
-31.96975
19.51525
-127.6527
-35.1992
-85.05899
-81.58841
-3.563983
55.85459
-78.52093
31.51273
11.65565
14.42869
-93.88459
-6.264722
22.85328
25.94547
73.88315
-57.69916
31.28921
-10.94916
-127.1414
-28.54276
28.5804
-118.6836
-1.857223
-26.09449
-20.92953
-133.7899
-24.83862
-21.85675
-6.237753
46.80524
-108.5295
0.5750658
-53.11364
15.85944
credinf
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactur
a
oaosfun
0.008
10.74854
70.87514
0.47
-34.3114
0.002
-135.4089
-29.4332
oempleados
-82.06132
0.323
0
-48.91041
-295.876
16.13408
-228.417
oambulante
_cons
-12.49886
-289.0789
299
Linear
41.98385
-10.24668
regression
F( 19, 279)
Prob > F
R-squared
Root MSE
P>t
[95% Conf.
0.851
0.935
0.047
0.396
0.168
0.002
0.201
0.836
0.007
0.01
Interval]
-3.506991
4.246018
-1.117876
1.214805
-2.354696 -0.0177141
-1.620594 0.6427916
-2.079151 0.3648955
0.6666475
3.053968
-2.734842 0.5770283
-1.057032 0.8551905
-2.443555 -0.3974964
-2.704826 -0.3723622
brecha
credinf
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
Robust
Coef.
-1.791488
0.0740402
-1.208005
-0.4894787
-0.8422151
1.844927
-1.100078
-0.1350072
-1.428567
-1.565871
0.177
-1.415055
0.006 0.5681546
0.495 -0.7326779
0.07
-2.178781
0.2623372
3.285284
1.5117
0.0866433
onegro
onhogar
onegruc
ocomercio
-0.5432555
1.925167
0.3857077
-1.064786
0.992 -0.8244984
0.8161974
otransporte
0.698
-1.249635
0.8380188
omanufactur
a
0.533
-1.476876
0.7654274
oaosfun
0.198
-1.714469
0.35712
oempleados
-0.6980982
0.578
0
-1.775317
39.36789
0.9918128
41.79048
oambulante
_cons
-0.3612296
40.80675
-0.011302
-0.2155755
-0.359592
.
981
Linear
regression
F( 19, 961)
Prob > F
R-squared
Root MSE
P>t
[95% Conf.
0.051
-155.3128
0.967
-48.48266
0.282 -0.7885736
0
-16.71583
0.281
-3.817589
0.83
-59.77315
0.831
-104.9702
0
-319.9328
0.252
-76.31902
0.423
-168.1004
0.835
-134.6448
0
9.263602
0
-275.9113
0.909
-63.61529
0.007
-280.463
0.014
0.012
0
15.30443
Interval]
0.3370232
50.54894
2.708653
-5.136657
13.15446
47.98752
130.6168
-96.48202
20.00866
70.64858
108.8252
29.37548
-127.3164
56.5765
-43.77882
138.7121
-4.079674 -0.5028193
-110.1938
-31.97282
brecha
credinf
sexo
edadjh
aosesc
horastrab
casado
soltero
patrono
zona
blanco
negro
nhogar
negruc
comercio
transporte
manufactura
aosfun
empleados
Robust
Coef.
-22.16602
6.004841
1.037148
-11.28293
4.303976
-8.038976
4.655353
-211.5758
-23.28119
-48.12805
-15.85533
19.25112
-214.7213
-11.94616
-182.8377
74.42184
-2.157798
-71.92923
0.225
0.587
-92.14784
-104.6516
21.72797
184.7591
ambulante
_cons
-29.93719
30.65198
credito
-69.616
3.210
0.985
-10.841
5.314
-9.117
10.586
-201.817
-25.202
-52.864
-10.930
19.502
-209.071
0.018
-161.887
0.575
0.944
0.046
0.396
0.166
0.002
0.204
0.842
0.007
0.011
0.170
0.006
0.501
0.072
0.996
0.851
0.935
0.047
0.396
0.168
0.002
0.201
0.836
0.007
0.010
0.177
0.006
0.495
0.070
0.992
0.375
0.902
0.041
0.395
0.173
0.003
0.192
0.771
0.007
0.010
0.213
0.006
0.500
0.067
0.978
total
brecha
credito
sexo
edadjh
aosesc
horastrab
casado
soltero
patrono
zona
blanco
negro
nhogar
negruc
comercio
transporte
0.702
0.698
0.685
manufactura
81.112
0.534
0.533
0.528
aosfun
-2.415
0.207
0.198
0.190
empleados
-70.491
0.567
0.000
0.578
0.000
0.610
0.000
ambulante
_cons
R-squared
-32.718
35.340
0.306
dito infrmal
reg brecha credfor osexo oedadjh oaosesc ohorastrab ocasado osoltero opa
> porte omanufactura oaosfun oempleados oambulante, robust
Number of
obs
=
=
=
=
Std. Err.
682
6.04
0
0.2398
447.08
P>t
[95% Conf.
Interval]
63.08291
13.60126
15.99629
18.60907
16.64494
16.14044
16.32474
22.19345
12.58466
22.65078
15.52477
14.13761
17.90809
17.1995
19.78914
-2.02
-2.1
1.79
-6.38
-0.11
-1.62
-1.28
-6.03
-1.97
-0.96
-0.4
3.31
-6.06
0.03
-2.68
0.044
0.036
0.074
0
0.911
0.106
0.2
0
0.049
0.335
0.688
0.001
0
0.973
0.007
15.31992
2.74
0.006
11.90237
72.06533
12.9133
-0.79
0.428
-35.60264
15.10928
26.55176
-3.09
0.002
-134.1971
-29.92551
16.05829
16.68915
-0.78
-17.32
0.437
0
-44.03018
-321.849
19.03246
-256.3089
Number of
obs
=
=
=
=
Std. Err.
2.016979
0.5989411
0.5894107
0.5743985
0.6162358
0.6124313
0.8416286
0.4630942
0.5237194
0.5996707
-251.0081
-3.274741
-55.24957
-1.835945
-2.829181
59.98998
-155.2236
-82.14372
-34.54045
30.82601
-57.78711
5.598135
-52.98404
11.12498
-177.3679
-90.21185
-49.54929 -0.1279573
-66.33278
22.61928
-36.72148
24.24598
19.04529
74.56519
-143.693
-73.36595
-33.19707
34.3472
-91.97068
-14.2566
299
2.4
0.0011
0.159
10.027
P>t
-0.89
0.12
-2.05
-0.85
-1.37
3.01
-1.31
-0.29
-2.73
-2.61
[95% Conf.
0.375
0.902
0.041
0.395
0.173
0.003
0.192
0.771
0.007
0.01
Interval]
-5.761918
2.178942
-1.104977
1.253058
-2.368262 -0.0477482
-1.620184 0.6412265
-2.055277 0.3708471
0.6393538
3.0505
-2.756826
0.556671
-1.04661 0.7765953
-2.45951 -0.3976239
-2.746325 -0.3854176
0.4348849
0.6925508
0.570528
0.5781122
-1.25
2.78
0.68
-1.84
0.213
-1.399328
0.006 0.5618785
0.5 -0.7373785
0.067
-2.202802
0.3128168
3.288455
1.508794
0.0732294
0.413795
-0.03
0.978 -0.8258588
0.8032548
0.5309357
-0.41
0.685
-1.260724
0.829573
0.5697242
-0.63
0.528
-1.481096
0.7619119
0.5313003
-1.31
0.19
-1.743964
0.3477681
0.706668
0.6094886
-0.51
66.95
0.61
0
-1.752308
39.60697
1.029848
42.00654
Number of
obs
=
=
=
=
Std. Err.
981
8.8
0
0.3014
378.77
P>t
[95% Conf.
47.40814
25.31881
0.8902961
3.046904
4.292538
28.12336
59.75608
56.11769
24.81487
60.59054
63.73896
5.125434
38.75746
31.32648
63.06826
-0.47
0.24
1.16
-3.7
1
-0.29
0.08
-3.77
-0.94
-0.79
-0.25
3.76
-5.54
-0.38
-2.9
0.64
-115.2014
0.813
-43.6817
0.244 -0.7100006
0
-17.26228
0.316
-4.119853
0.775
-63.22926
0.938
-112.6121
0
-321.7031
0.348
-71.97878
0.427
-167.0331
0.804
-140.9389
0
9.192788
0
-290.7804
0.703
-73.42236
0.004
-306.6051
31.96098
2.33
0.02
0.8951188
19.60158
-2.41
-3.67
0.016
0
11.70048
Interval]
70.86939
55.69138
2.784297
-5.303573
12.7278
47.15131
121.9228
-101.4484
25.41641
70.77698
109.2283
29.30946
-138.6623
49.53004
-59.07031
137.1432
-3.914411 -0.4011851
-110.3961
-33.46239
28.5498
73.1516
-1.05
0.42

-77.488
-22.166
1.033
6.005
0.960
1.037
-10.926
-11.283
4.668
4.304
-5.893
-8.039
12.823
4.655
-208.207
-211.576
-28.155
-23.281
-48.726
-48.128
-12.910
-15.855
19.320
19.251
-201.614
-214.721
-3.519
-11.946
-162.121
-182.838
0.295
0.675
-85.96433
-112.9033
26.08994
174.2073
0.032
0.899
0.269
0.000
0.217
0.740
0.860
0.000
0.311
0.384
0.864
0.000
0.000
1.000
0.011
0.051
0.967
0.282
0.000
0.281
0.830
0.831
0.000
0.252
0.423
0.835
0.000
0.000
0.909
0.007
0.640
0.813
0.244
0.000
0.316
0.775
0.938
0.000
0.348
0.427
0.804
0.000
0.000
0.703
0.004
77.008
74.422
0.011
0.014
0.020
-2.291
-2.158
0.008
0.012
0.016
-71.083
-71.929
0.000
0.000
0.000
-35.210
40.054
0.305
-29.937
30.652
0.301
0.264
0.631
0.225
0.587
0.295
0.675
. regcredito
brecha osexo
credinf
sexo edadjh
horastrab
ca
. reg brecha
oedadjh
oaosescaosesc
ohorastrab
ocasad
Linear
regression
Numbe
> ura aosfun oaosfun
empleados
ambulante,
robust
> porte omanufactura
oempleados
oambulante,
robust
F( 19
Prob
Linear regression
Linear regression
Numbe
R-squ
F(
19
Root
Prob
R-squ
Root
Robust
brechaa
Coef.
Std. Err.
P>|t|
[9
Robust
Robust
credinf
-1.791488
2.016979
0.375
-5.
brecha
Coef.
Std.-0.89
Err.
t
P>|t
brecha
Coef.
Std.
Err.
t
P>|t|
[9
osexo
.0740402
.5989411
0.12
0.902
-1.
oedadjh credinf
-1.208005-22.16602
.5894107 47.40814
-2.05
0.041
-2.
-0.47
0.64
credito
-190.1962
40.20378
-4.73
0.000
-26
sexo
6.004841
0.24
0.81
oaosesc
-.4894787
.5743985 25.31881
-0.85
0.395
-1.
osexo
-29.02699
13.35717
-2.17
0.030
-55
edadjh
1.16
0.24
ohorastrab
-.8422151 1.037148
.6162358 .8902961
-1.37
0.173
-2.
oedadjh
27.02304
15.70838
1.72
0.086
-3.
aosesc
-3.70
0.00
ocasado
1.844927-11.28293
.6124313 3.046904
3.01
0.003
.6
oaosesc
-116.6077
18.21122
-6.40
0.000
-15
1.00
0.31
osolterohorastrab
-1.100078 4.303976
.8416286 4.292538
-1.31
0.192
-2.
ohorastrab
-1.403332
16.46117
-0.09
0.932
-33
casado
-8.038976
28.12336
-0.29
0.77
opatrono
-.1350072
.4630942
-0.29
0.771
-1
soltero
4.655353
59.75608
0.08
0.93
ocasado
-23.14663
15.43601
-1.50
0.134
-53
ozona credito
-1.428567
.5237194
-2.73
0.007 ocasad
-2
. reg brecha
osexo oedadjh
oaosesc
ohorastrab
patrono
-211.5758
56.11769
-3.77
0.00
osoltero
-19.5584
16.42892
-1.19
0.234
-51
> porte
omanufactura
oaosfun .5996707
oempleados oambulante,
robust
oblanco
-1.565871
-2.61
0.010
-2.
zona
-23.28119
-0.94
0.34
opatrono
-135.3612
22.11757 24.81487
-6.12
0.000
-17
onegro
-.5432555
.4348849
-1.25
0.213
-1.
blanco
-0.79 Numbe
0.42
ozona
-27.20086-48.12805
12.2339 60.59054
-2.22
0.027
-51
Linear regression
onhogar
1.925167
.6925508
2.78
0.006
.5
negro
-0.25 F(
0.80
19
oblanco
-21.49584-15.85533
22.50148 63.73896
-0.96
0.340
-6
onegruc
.3857077
.570528
0.68
0.500
-.7
nhogar
3.76 Prob
0.00
onegro
-4.87819 19.25112
15.31355 5.125434
-0.32
0.750
-34
ocomercio
-1.064786-214.7213
.5781122
-1.84
0.067
-2.
negruc
-5.54 R-squ
0.00
onhogar
46.76055
13.89689 38.75746
3.36
0.001
19
otransporte comercio
-.011302-11.94616
.413795 31.32648
-0.03
0.978
-.8
-0.38 Root
0.70
onegruc
-101.8474
18.0742
-5.63
0.000
-1
horastrab ocasado
osoltero opatrono
ozona
oblanco onegro
onhogar
onegruc
ocomercio
omanufactura
-.2155755
.5309357
-0.41 otrans
0.685
-1.
transporte
-182.8377
63.06826
-2.90
0.00
-.4913288
16.87879
-0.03
0.977
-33
oambulante, robustocomercio
oaosfun
-.359592 74.42184
.5697242 31.96098
-0.63
0.528
-1.
manufactura
2.33
0.02
Robust
otransporte
-50.96001
19.06323
-2.67
0.008
-88
aosfun
-2.157798
.8951188
-2.41
0.01
oempleados
-.6980982
.5313003
-1.31
0.190
-1.
brecha
Coef.
Std.
Err.
t
P>|t|
[9
omanufactura
41.48986
15.16423
2.74
0.006
11
-3.67
0.00
oambulanteempleados
-.3612296-71.92923
.706668 19.60158
-0.51
0.610
-1.
oaosfunambulante
-9.816467-29.93719
12.78804 28.5498
-0.77
0.443
-34
-1.05
0.29
credito
-190.1962
40.20378
-4.73
0.000
-26
_cons
40.80675
.6094886
66.95
39
oempleados
-82.21294
26.69115
-3.08
0.002
-13
_cons
0.42
0.67
osexo
-29.02699 30.65198
13.35717 73.1516
-2.17
0.030
-55
oambulante
-14.13816
16.11891
-0.88
0.381
-45
oedadjh
27.02304
15.70838
1.72
0.086
-3.
oaosesc
-116.6077
18.21122
-6.40
0.000
-15
_cons
-235.4824
16.03768
-14.68
-26
. ohorastrab
-1.403332
16.46117
-0.09
0.932
-33
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
-23.14663
-19.5584
-135.3612
-27.20086
-21.49584
-4.87819
46.76055
15.43601
16.42892
22.11757
12.2339
22.50148
15.31355
13.89689
-1.50
-1.19
-6.12
-2.22
-0.96
-0.32
3.36
0.134
0.234
0.000
0.027
0.340
0.750
0.001
-53
-51
-17
-51
-6
-34
19
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
_cons
-1.403332
-23.14663
-19.5584
-135.3612
-27.20086
-21.49584
-4.87819
46.76055
-101.8474
-.4913288
-50.96001
41.48986
-9.816467
-82.21294
-14.13816
-235.4824
16.46117
15.43601
16.42892
22.11757
12.2339
22.50148
15.31355
13.89689
18.0742
16.87879
19.06323
15.16423
12.78804
26.69115
16.11891
16.03768
-0.09
-1.50
-1.19
-6.12
-2.22
-0.96
-0.32
3.36
-5.63
-0.03
-2.67
2.74
-0.77
-3.08
-0.88
-14.68
0.932
0.134
0.234
0.000
0.027
0.340
0.750
0.001
0.000
0.977
0.008
0.006
0.443
0.002
0.381
0.000
Linear regression
-33
-53
-51
-17
-51
-6
-34
19
-1
-33
-88
11
-34
-13
-45
-26
Numbe
F( 19
Prob
R-squ
Root
brechaa
Coef.
credinf
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
-1.791488
.0740402
-1.208005
-.4894787
-.8422151
1.844927
-1.100078
-.1350072
-1.428567
-1.565871
-.5432555
1.925167
.3857077
-1.064786
-.011302
-.2155755
-.359592
-.6980982
-.3612296
Robust
Std. Err.
2.016979
.5989411
.5894107
.5743985
.6162358
.6124313
.8416286
.4630942
.5237194
.5996707
.4348849
.6925508
.570528
.5781122
.413795
.5309357
.5697242
.5313003
.706668
t
-0.89
0.12
-2.05
-0.85
-1.37
3.01
-1.31
-0.29
-2.73
-2.61
-1.25
2.78
0.68
-1.84
-0.03
-0.41
-0.63
-1.31
-0.51
P>|t|
[9
0.375
0.902
0.041
0.395
0.173
0.003
0.192
0.771
0.007
0.010
0.213
0.006
0.500
0.067
0.978
0.685
0.528
0.190
0.610
-5.
-1.
-2.
-1.
-2.
.6
-2.
-1
-2
-2.
-1.
.5
-.7
-2.
-.8
-1.
-1.
-1.
-1.
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
_cons
-1.064786
-.011302
-.2155755
-.359592
-.6980982
-.3612296
40.80675
.5781122
.413795
.5309357
.5697242
.5313003
.706668
.6094886
-1.84
-0.03
-0.41
-0.63
-1.31
-0.51
66.95
0.067
0.978
0.685
0.528
0.190
0.610
0.000
-2.
-.8
-1.
-1.
-1.
-1.
39
. reg brecha credinf sexo edadjh aosesc horastrab

> ura aosfun empleados ambulante, robust
Linear regression
brecha
Coef.
credinf
sexo
edadjh
aosesc
horastrab
casado
soltero
patrono
zona
blanco
negro
nhogar
negruc
-22.16602
6.004841
1.037148
-11.28293
4.303976
-8.038976
4.655353
-211.5758
-23.28119
-48.12805
-15.85533
19.25112
-214.7213
Robust
Std. Err.
47.40814
25.31881
.8902961
3.046904
4.292538
28.12336
59.75608
56.11769
24.81487
60.59054
63.73896
5.125434
38.75746
t
-0.47
0.24
1.16
-3.70
1.00
-0.29
0.08
-3.77
-0.94
-0.79
-0.25
3.76
-5.54
0
0
0
0
0
0
0
0
0
0
0
0
0
soltero
patrono
zona
blanco
negro
nhogar
negruc
comercio
transporte
manufactura
aosfun
empleados
ambulante
_cons
4.655353
-211.5758
-23.28119
-48.12805
-15.85533
19.25112
-214.7213
-11.94616
-182.8377
74.42184
-2.157798
-71.92923
-29.93719
30.65198
59.75608
56.11769
24.81487
60.59054
63.73896
5.125434
38.75746
31.32648
63.06826
31.96098
.8951188
19.60158
28.5498
73.1516
0.08
-3.77
-0.94
-0.79
-0.25
3.76
-5.54
-0.38
-2.90
2.33
-2.41
-3.67
-1.05
0.42
0
0
0
0
0
0
0
0
0
0
0
0
0
0
horastrab
casado
soltero
patrono
zona oblanco
blanco
nhogar
neg
scaosesc
ohorastrab
ocasado
osoltero
onegro
onhogar
Number
of obs
= opatrono
299 ozona
. regnegro
brechaa
credfor
, robust
oambulante,
robust
F( 19,
279) =
2.40
> sporte omanufactura
Prob > F
= 0.0011
obs
981
Number
ofNumber
obs = of0.1590
682=
R-squared
Linear regression
F(
19,
961)
=
8.80
F(
19,
6.48
Root
MSE 662) = 10.027
Prob > F Prob >= F 0.0000= 0.0000
R-squared
=
0.3014
R-squared
= 0.2662
Root MSE
=
378.77
Root MSE
= 439.26
P>|t|
[95% Conf. Interval]
ust
-0.89
0.375
-5.761918 [95%2.178942
Err.
t
P>|t|
Conf. Interval]
t
P>|t|
[95%
Conf.
Interval]
0.12
0.902
-1.104977
1.253058
brechaa
C
-2.05
0.041
-2.368262
-.0477482 70.86939
0814
-0.47
0.640
-115.2014
-4.73
0.000
-269.1385
-111.2539
1881
0.24
0.813
-0.85
0.395
-1.620184 -43.6817
.6412265 55.69138
credfor
.369
-2.17
0.030
-55.25452
-2.799456
2961
1.16
0.244
-.7100006
-1.37
0.173
-2.055277
.3708471 2.784297
osexo
.048
1.72
0.086
-3.821216
57.86729
6904
-3.70
0.000
-17.26228
-5.303573
3.01
0.003
.6393538
3.0505
oedadjh
-1.18
-6.40
0.000
-152.3665
-80.84901
2538
1.00
0.316
-4.119853
-1.31
0.192
-2.756826
.556671 12.7278
oaosesc
-.488
-0.09
0.932
-33.72572
30.91906
2336
-0.29
0.775
-63.22926
47.15131
-0.29
0.771
-1.04661
.7765953
ohorastrab
-.857
5608
0.08
0.938
-112.6121
121.9228
-1.50
0.134
-53.45606
7.162804
-2.73
0.007
-2.45951
-.3976239
sc ohorastrab ocasado osoltero opatrono ozona oblanco ocasado
onegro onhogar
1.86
1769
-3.77
0.000
-321.7031
-101.4484
-1.19
0.234
-51.81747
12.70066
oambulante,
robust
-2.61
0.010
-2.746325
-.3854176
osoltero
-1.07
1487
-0.94
0.348
-6.12
0.000
-178.7902-71.97878
-91.93214 25.41641
-1.25
0.213
-1.399328
.3128168
opatrono
-.100
9054
-0.79 Number
0.427
-167.0331
-2.22
0.027
-51.22279
-3.178937
of obs
=
682 70.77698
2.78
0.006
.5618785
3.288455
3896
-0.25 F(
0.804
-140.9389
ozona
-1.42
19,
662)
= 22.68703
6.48 109.2283
-0.96
0.340
-65.6787
0.68
0.500
-.7373785
1.508794
5434
3.76 Prob
0.000
> F
9.192788
= 25.1908
0.0000 29.30946
oblanco
-1.53
-0.32
0.750
-34.94718
-1.84
0.067
-2.202802
.0732294
=
0.2662
5746
-5.54 R-squared
0.000
-290.7804
-138.6623
onegro
-.57
3.36
0.001
19.47325
74.04784
Root
MSE
=
439.26
-0.03
0.978
-.8258588
.8032548
2648
-0.38
0.703
-73.42236
49.53004
onhogar
1.92
-5.63
0.000
-137.337
-66.3577
omercio
-0.41
0.685
-1.260724
.829573
6826 otrans
-2.90
0.004
-306.6051
-59.07031
onegruc
.389
-0.03
0.977
-33.63375
32.65109
-0.63
0.528
-1.481096 11.70048
.7619119 137.1432
6098
2.33
0.020
-2.67
0.008
-88.39169
-13.52833
ocomercio
-1.04
1188
-2.41
0.016
-3.914411
-.4011851
-1.31
0.190
-1.743964
.3477681
t
P>|t|
[95%
Conf. Interval]
2.74
0.006
11.71407
71.26565
otransporte
-.004
0158
-3.67
0.000
-110.3961
-33.46239
-0.51
0.610
-1.752308
1.029848
-0.77
0.443
-34.92647-85.96433
15.29353 26.08994 omanufactura
-.205
5498
-1.05
0.295
-4.73
0.000
-269.1385
-111.2539
66.95
39.60697
42.00654
-3.08
0.002
-134.6224
-29.80343
oaosfun
-.355
1516
0.42
0.675
-112.9033
-2.17
0.030
-55.25452
-2.799456 174.2073
-0.88
0.381
-45.78851
17.51218
1.72
0.086
-3.821216
57.86729
oempleados
-.678
-6.40
0.000
-152.3665
-80.84901
14.68
-266.9732
-203.9915
oambulante
-.39
-0.09
0.932
-33.72572
30.91906
_cons
40.5
-1.50
-1.19
-6.12
-2.22
-0.96
-0.32
3.36
0.134
0.234
0.000
0.027
0.340
0.750
0.001
-53.45606
-51.81747
-178.7902
-51.22279
-65.6787
-34.94718
19.47325
7.162804
12.70066
-91.93214
-3.178937
22.68703
25.1908
74.04784
-0.09
-1.50
-1.19
-6.12
-2.22
-0.96
-0.32
3.36
-5.63
-0.03
-2.67
2.74
-0.77
-3.08
-0.88
14.68
0.932
0.134
0.234
0.000
0.027
0.340
0.750
0.001
0.000
0.977
0.008
0.006
0.443
0.002
0.381
0.000
-33.72572
-53.45606
-51.81747
-178.7902
-51.22279
-65.6787
-34.94718
19.47325
-137.337
-33.63375
-88.39169
11.71407
-34.92647
-134.6224
-45.78851
-266.9732
Number of obs
F( 19,
279)
Prob > F
R-squared
Root MSE
-0.89
0.12
-2.05
-0.85
-1.37
3.01
-1.31
-0.29
-2.73
-2.61
-1.25
2.78
0.68
-1.84
-0.03
-0.41
-0.63
-1.31
-0.51
P>|t|
0.375
0.902
0.041
0.395
0.173
0.003
0.192
0.771
0.007
0.010
0.213
0.006
0.500
0.067
0.978
0.685
0.528
0.190
0.610
30.91906
7.162804
12.70066
-91.93214
-3.178937
22.68703
25.1908
74.04784
-66.3577
32.65109
-13.52833
71.26565
15.29353
-29.80343
17.51218
-203.9915
=
=
=
=
=
299
2.40
0.0011
0.1590
10.027
. reg brechaa credfor

> sporte omanufactura
Linear regression

-5.761918
-1.104977
-2.368262
-1.620184
-2.055277
.6393538
-2.756826
-1.04661
-2.45951
-2.746325
-1.399328
.5618785
-.7373785
-2.202802
-.8258588
-1.260724
-1.481096
-1.743964
-1.752308
2.178942
1.253058
-.0477482
.6412265
.3708471
3.0505
.556671
.7765953
-.3976239
-.3854176
.3128168
3.288455
1.508794
.0732294
.8032548
.829573
.7619119
.3477681
1.029848
brechaa
credfor
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactura
oaosfun
.369
.048
-1.18
-.488
-.857
1.86
-1.07
-.100
-1.42
-1.53
-.57
1.92
.389
-1.04
-.004
-.205
-.355
-1.84
-0.03
-0.41
-0.63
-1.31
-0.51
66.95
0.067
0.978
0.685
0.528
0.190
0.610
0.000
-2.202802
-.8258588
-1.260724
-1.481096
-1.743964
-1.752308
39.60697
.0732294
.8032548
.829573
.7619119
.3477681
1.029848
42.00654
onhogar
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
_cons
1.92
.389
-1.04
-.004
-.205
-.355
-.678
-.39
40.5
jh aosesc horastrab casado soltero patrono zona blanco negro nhogar n

te, robust
obust
d. Err.
.40814
.31881
902961
046904
292538
.12336
.75608
.11769
.81487
.59054
.73896
125434
.75746
Number of obs
F( 19,
961)
Prob > F
R-squared
Root MSE
t
-0.47
0.24
1.16
-3.70
1.00
-0.29
0.08
-3.77
-0.94
-0.79
-0.25
3.76
-5.54
P>|t|
0.640
0.813
0.244
0.000
0.316
0.775
0.938
0.000
0.348
0.427
0.804
0.000
0.000
=
=
=
=
=
981
8.80
0.0000
0.3014
378.77

-115.2014
-43.6817
-.7100006
-17.26228
-4.119853
-63.22926
-112.6121
-321.7031
-71.97878
-167.0331
-140.9389
9.192788
-290.7804
70.86939
55.69138
2.784297
-5.303573
12.7278
47.15131
121.9228
-101.4484
25.41641
70.77698
109.2283
29.30946
-138.6623
.75608
.11769
.81487
.59054
.73896
125434
.75746
.32648
.06826
.96098
951188
.60158
8.5498
3.1516
0.08
-3.77
-0.94
-0.79
-0.25
3.76
-5.54
-0.38
-2.90
2.33
-2.41
-3.67
-1.05
0.42
0.938
0.000
0.348
0.427
0.804
0.000
0.000
0.703
0.004
0.020
0.016
0.000
0.295
0.675
-112.6121
-321.7031
-71.97878
-167.0331
-140.9389
9.192788
-290.7804
-73.42236
-306.6051
11.70048
-3.914411
-110.3961
-85.96433
-112.9033
121.9228
-101.4484
25.41641
70.77698
109.2283
29.30946
-138.6623
49.53004
-59.07031
137.1432
-.4011851
-33.46239
26.08994
174.2073
nco
nhogar
negruc
comercio
transporte
manufact
nco
onegro
onhogar
onegruc
ocomercio
otrans
.ohorastrab
reg brechaocasado
credinfosolter
osexo
regnegro
brechaa
credfor
osexo
oedadjh
oaosesc
> porte omanufactura

oaosfu
sporte omanufactura oaosfun oempleados oambulante,
robust
Linear regression
Number of obs =
inear regression
F( 19,
279)
Prob > F
R-squared
Root MSE
brechaa
Coef.
credfor
.3695136
osexo
.0484646
oedadjh
-1.186205
oaosesc
-.4889011
ohorastrab
-.8571279
nco ocasado
onegro onhogar
onegruc
1.860308
osoltero
-1.078907
opatrono
-.1009205
ozona
-1.420525
oblanco
-1.538594
onegro
-.576359
onhogar
1.926719
onegruc
.3895109
ocomercio
-1.046069
otransporte
-.0041505
manufactura
-.2058082
oaosfun
-.3557243
oempleados
-.6786743
oambulante
-.391752
_cons
40.57918
Robust
Std. Err.
brecha
P>|t|
=
=
=
=
Coef.
[95% Conf. I
credinf
-127.1414
1.969265
0.19
0.851
-3.506991
osexo
-28.54276
.5925011
0.08
0.935
-1.117876
oedadjh
28.5804
.5935937
-2.00
0.047
-2.354696
oaosesc
-118.6836
.5749001
-0.85 ohorastrab
0.396
-1.620594
-1.857223
.6207881
-1.38
0.168
-2.079151
. reg ocasado
brecha credinf
osexo
-26.09449
ocomercio
otrans
> porte
omanufactura
oaosfu
.6063797
3.07
0.002
.6666475
osoltero
-20.92953
.8412154
-1.28
0.201
-2.734842
opatrono
-133.7899
Linear regression
.4857046
-0.21
0.836
ozona -1.057032
-24.83862
.519699
-2.73
0.007
oblanco -2.443555
-21.85675 .5924461
-2.60
0.010
onegro -2.704826
-6.237753 .4260578
-1.35
0.177
onhogar -1.415055
46.80524
.6901512
2.79
0.006
.5681546
onegruc
-108.5295
.5750658
.5700722
0.68 ocomercio
0.495
-.7326779
-53.11364
.5754179
-1.82otransporte
0.070
-2.178781
brecha
Coef.
omanufactura
41.98385
.4167369
-0.01
0.992
-.8244984
credinf
-127.1414
oaosfun -1.249635
-10.24668
.5302644
-0.39
0.698
osexo
-28.54276
-82.06132
.5695453
-0.62 oempleados
0.533
-1.476876
oedadjh
28.5804
-12.49886
.5261837
-1.29 oambulante
0.198
-1.714469
oaosesc
-118.6836
_cons
-289.0789
-1.857223
.7028512
-0.56 ohorastrab
0.578
-1.775317
ocasado
-26.09449
.6153397
65.95
0.000
39.36789
osoltero
opatrono
ozona
oblanco
onegro
onhogar
-20.92953
-133.7899
-24.83862
-21.85675
-6.237753
46.80524
ocasado
-26.09449
osoltero
-20.92953
opatrono
-133.7899
ozona
-24.83862
oblanco
-21.85675
onegro
-6.237753
onhogar
46.80524
onegruc
-108.5295
ocomercio
.5750658
otransporte
-53.11364
omanufactura
41.98385
oaosfun
-10.24668
oempleados
-82.06132
oambulante
-12.49886
_consocasado
-289.0789
reg brechaa credfor osexo oedadjh oaosesc ohorastrab
osolter
sporte omanufactura oaosfun oempleados oambulante, robust
inear regression
Number of obs
F( 19,
279)
Prob > F
R-squared
Root MSE
brechaa
Coef.
credfor
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
manufactura
oaosfun
.3695136
.0484646
-1.186205
-.4889011
-.8571279
1.860308
-1.078907
-.1009205
-1.420525
-1.538594
-.576359
1.926719
.3895109
-1.046069
-.0041505
-.2058082
-.3557243
Robust
Std. Err.
1.969265
.5925011
.5935937
.5749001
.6207881
.6063797
.8412154
.4857046
.519699
.5924461
.4260578
.6901512
.5700722
.5754179
.4167369
.5302644
.5695453
t
0.19
0.08
-2.00
-0.85
-1.38
3.07
-1.28
-0.21
-2.73
-2.60
-1.35
2.79
0.68
-1.82
-0.01
-0.39
-0.62
P>|t|
0.851
0.935
0.047
0.396
0.168
0.002
0.201
0.836
0.007
0.010
0.177
0.006
0.495
0.070
0.992
0.698
0.533
=
=
=
=
=
[95% Conf. I
-3.506991
-1.117876
-2.354696
-1.620594
-2.079151
.6666475
-2.734842
-1.057032
-2.443555
-2.704826
-1.415055
.5681546
-.7326779
-2.178781
-.8244984
-1.249635
-1.476876
onhogar
onegruc
ocomercio
otransporte
manufactura
oaosfun
oempleados
oambulante
_cons
1.926719
.3895109
-1.046069
-.0041505
-.2058082
-.3557243
-.6786743
-.391752
40.57918
.6901512
.5700722
.5754179
.4167369
.5302644
.5695453
.5261837
.7028512
.6153397
2.79
0.68
-1.82
-0.01
-0.39
-0.62
-1.29
-0.56
65.95
0.006
0.495
0.070
0.992
0.698
0.533
0.198
0.578
0.000
lanco negro nhogar negruc comercio transporte manufact
.5681546
-.7326779
-2.178781
-.8244984
-1.249635
-1.476876
-1.714469
-1.775317
39.36789
. reg
brecha
credfor
sexo
aosesc
horastrab
casado
sol
rechaocasado
credinf
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatr
trab
osoltero
opatrono
ozonaedadjh
oblanco
onegro
onhogar
onegruc
o
aosfun oempleados
empleados ambulante,
omanufactura
oambulante,robust
robust
e,
robust > uraoaosfun
Linear regression
regression
Number
of obs =
299
F( 19,
279)
Prob > F
R-squared
Root MSE
=
=
=
=
Number of obs
F( 19,
662)
Prob > F
R-squared
Root MSE
2.37
0.0013
0.1565
10.042
=
=
=
=
=
Numbe
6
F( 6.
19
Prob
0.00
R-squ
0.23
Root
447.
Robust
Robust
brecha
Coef.
Std. Err.
t
P>|t|
[9
recha
Coef.
Std. Err.
t
P>|t|
[95% Conf. Interva
|t|
credfor
-77.48788
39.6573
-1.95
0.051
-15
edinf
-127.1414sexo63.08291
-2.02
0.044
-251.0081
-3.2747
25.23181
0.04
0.967
-48
851
-3.506991
4.2460181.03314
osexo
-28.54276
-2.10.8910424
0.036
-55.24957
edadjh13.60126
.9600397
1.08
0.282-1.8359
-.7
935
-1.117876
1.214805
dadjh
28.5804
0.074
-2.829181
aosesc15.99629
-10.926241.792.950204
-3.70
0.000 59.989
-16
047
-2.354696
-.0177141
osesc
-118.6836
-6.384.324231
0.000
-155.2236
horastrab18.60907
4.668436
1.08
0.281-82.143
-3.
396
-1.620594
.6427916
strab
-1.857223
-0.1127.45585
0.911
-34.54045
casado16.64494
-5.892817
-0.21
0.830 30.826
-59
168
-2.079151
.3648955
recha
osexo
oedadjh
oaosesc
ohorastrab
opatr
soltero
12.82329
60.02415
0.21 osoltero
0.831 5.5981
-10
asado credinf
-26.09449
16.14044
-1.62
0.106 ocasado
-57.78711
omanufactura
oaosfun
oempleados
oambulante,
robust
002
.6666475
3.053968
patrono16.32474
-208.2074
-3.66
0.000 11.124
-31
ltero
-20.92953
-1.2856.93201
0.200
-52.98404
201
.5770283
-28.15518
-1.15
0.252-90.211
-76
trono -2.734842
-133.7899zona
22.19345
-6.0324.54289
0.000
-177.3679
regression
Number of obs =
6
blanco
-48.72592
0.423-.12795
-16
836
.8551905
ozona -1.057032
-24.83862
12.58466
-1.9760.82976
0.049 F(-0.80
-49.54929
19,
662) =
6.
negro
-12.90978
-0.21
0.835
-13
007
-.3974964
lanco -2.443555
-21.85675
22.65078
-0.96 62.0326
0.335 Prob
-66.33278
22.619
> F
=
0.00
nhogar
19.31954
5.124214
3.77
0.000
9.
010
= 24.245
0.23
negro -2.704826
-6.237753 -.3723622
15.52477
-0.40
0.688 R-squared
-36.72148
negruc
-201.6139
37.85982
-5.33
-27
MSE 0.000= 74.565
447.
177
hogar -1.415055
46.80524 .2623372
14.13761
3.31
0.001 Root
19.04529
comercio
-3.519394
30.62312
-0.11
0.909
-63
006
.5681546
egruc
-108.5295 3.285284
17.90809
-6.06
0.000
-143.693
-73.365
transporte
-162.1209
60.30368
-2.69
0.007
-2
ercio -.7326779
.5750658
17.1995
0.03
0.973
-33.19707
34.34
495
1.5117
manufactura Robust
77.00825
31.44247
2.45
0.014
15
porte -2.178781
-53.11364
19.78914
-2.68
0.007
-91.97068
-14.25
070
.0866433
recha
Coef.
Std.
Err.
t
P>|t|
[95%
Conf.
Interva
aosfun
-2.291247
.9113306
-2.51
0.012
-4.
ctura -.8244984
41.98385 .8161974
15.31992
2.74
0.006
11.90237
72.065
992
empleados
-71.08331
19.92957
-3.57
0.000
-11
edinf
-127.1414
63.08291
-2.02
0.044
-251.0081
-3.2747
osfun
-10.24668
12.9133
-0.79
0.428
-35.60264
15.109
698
-1.249635
.8380188
ambulante
-35.20993
29.0139
-1.21
0.225
-92
osexo
-28.54276
13.60126
-2.10
0.036
-55.24957
-1.8359
eados
-82.06132
26.55176
-3.09
0.002
-134.1971
-29.925
533
-1.476876 _cons
.7654274
40.053741.7973.73762
0.54
0.587 59.989
-10
dadjh
28.5804
15.99629
0.074
-2.829181
lante
-12.49886
16.05829
-0.78
0.437
-44.03018
19.032
198
-1.714469
.35712
osesc
-118.6836
18.60907
-6.38
0.000
-155.2236
-82.143
_cons
-289.0789
16.68915
-17.32
0.000
-321.849
-256.30
strab
-1.857223
16.64494
-0.11
0.911
-34.54045
30.826
578
-1.775317
.9918128
asado
000
ltero
trono
ozona
lanco
negro
hogar
-26.09449
39.36789
-20.92953
-133.7899
-24.83862
-21.85675
-6.237753
46.80524
16.14044
41.79048
16.32474
22.19345
12.58466
22.65078
15.52477
14.13761
-1.62
-1.28
-6.03
-1.97
-0.96
-0.40
3.31
0.106
0.200
0.000
0.049
0.335
0.688
0.001
-57.78711
-52.98404
-177.3679
-49.54929
-66.33278
-36.72148
19.04529
5.5981
11.124
-90.211
-.12795
22.619
24.245
74.565
asado
-26.09449
16.14044
-1.62
0.106
-57.78711
5.5981
ltero
-20.92953
16.32474
-1.28
0.200
-52.98404
11.124
trono
-133.7899
22.19345
-6.03
0.000
-177.3679
-90.211
ozona
-24.83862
12.58466
-1.97
0.049
-49.54929
-.12795
lanco
-21.85675
22.65078
-0.96
0.335
-66.33278
22.619
negro
-6.237753
15.52477
-0.40
0.688
-36.72148
24.245
hogar
46.80524
14.13761
3.31
0.001
19.04529
74.565
egruc
-108.5295
17.90809
-6.06
0.000
-143.693
-73.365
ercio
.5750658
17.1995
0.03
0.973
-33.19707
34.34
porte
-53.11364
19.78914
-2.68
0.007
-91.97068
-14.25
ctura
41.98385
15.31992
2.74
0.006
11.90237
72.065
osfun
-10.24668
12.9133
-0.79
0.428
-35.60264
15.109
eados
-82.06132
26.55176
-3.09
0.002
-134.1971
-29.925
lante
-12.49886
16.05829
-0.78
0.437
-44.03018
19.032
_consocasado
-289.0789
-17.32
0.000onegro-321.849
-256.30o
trab
osoltero16.68915
opatrono ozona
oblanco
onhogar onegruc
e, robust
|t|
851
935
047
396
168
002
201
836
007
010
177
006
495
070
992
698
533
Number of obs
F( 19,
279)
Prob > F
R-squared
Root MSE
=
=
=
=
=
299
2.37
0.0013
0.1565
10.042

-3.506991
-1.117876
-2.354696
-1.620594
-2.079151
.6666475
-2.734842
-1.057032
-2.443555
-2.704826
-1.415055
.5681546
-.7326779
-2.178781
-.8244984
-1.249635
-1.476876
4.246018
1.214805
-.0177141
.6427916
.3648955
3.053968
.5770283
.8551905
-.3974964
-.3723622
.2623372
3.285284
1.5117
.0866433
.8161974
.8380188
.7654274
006
495
070
992
698
533
198
578
000
.5681546
3.285284
-.7326779
1.5117
-2.178781
.0866433
-.8244984
.8161974
-1.249635
.8380188
-1.476876
.7654274
-1.714469
.35712
-1.775317
.9918128
. reg brecha
credfor sexo edadjh aosesc horastrab casado sol
39.36789
41.79048
> ura aosfun
empleados ambulante, robust
Linear regression
Numbe
F( 19
Prob
R-squ
Root
brecha
Coef.
credfor
sexo
edadjh
aosesc
horastrab
casado
soltero
patrono
zona
blanco
negro
nhogar
negruc
comercio
transporte
manufactura
aosfun
empleados
ambulante
_cons
-77.48788
1.03314
.9600397
-10.92624
4.668436
-5.892817
12.82329
-208.2074
-28.15518
-48.72592
-12.90978
19.31954
-201.6139
-3.519394
-162.1209
77.00825
-2.291247
-71.08331
-35.20993
40.05374
Robust
Std. Err.
39.6573
25.23181
.8910424
2.950204
4.324231
27.45585
60.02415
56.93201
24.54289
60.82976
62.0326
5.124214
37.85982
30.62312
60.30368
31.44247
.9113306
19.92957
29.0139
73.73762
t
-1.95
0.04
1.08
-3.70
1.08
-0.21
0.21
-3.66
-1.15
-0.80
-0.21
3.77
-5.33
-0.11
-2.69
2.45
-2.51
-3.57
-1.21
0.54
P>|t|
[9
0.051
0.967
0.282
0.000
0.281
0.830
0.831
0.000
0.252
0.423
0.835
0.000
0.000
0.909
0.007
0.014
0.012
0.000
0.225
0.587
-15
-48
-.7
-16
-3.
-59
-10
-31
-76
-16
-13
9.
-27
-63
-2
15
-4.
-11
-92
-10
ambulante
_cons
-35.20993
40.05374
29.0139
73.73762
-1.21
0.54
0.225
0.587
-92
-10
horastrab
casado
soltero
patrono
zona onegro
blanco onhogar
negro .nhogar
negruc
come
sado
osoltero
opatrono
ozona
oblanco
onegruc
ocomercio
ro
onhogar
onegruc
ocomercio
otran
reg brechaa
cred
t
> sporte omanufact
mber of obs
19,
662)
ob > F
squared
ot MSE
=
=
=
=
=
Number
682 of obs
F( 6.04
19,
961)
Prob
> F
0.0000
R-squared
0.2398
Root MSE
447.08
=
=
=
=
=
981
8.87
0.0000
0.3053
377.72
t
P>|t|
-1.95
0.051
-155.3128
-251.0081
-3.274741
0.04
0.967
-48.48266
-55.24957
1.08
0.282-1.835945
-.7885736
-2.829181
-3.70
0.000 59.98998
-16.71583
-155.2236
1.08
0.281-82.14372
-3.817589
-34.54045
-0.21
0.830 30.82601
-59.77315
sado
opatrono
ozona
0.21 osoltero
0.831 5.598135
-104.9702
-57.78711
t
-3.66
0.000 11.12498
-319.9328
-52.98404
-1.15
0.252-90.21185
-76.31902
-177.3679
mber of obs =
682
-0.80
0.423-.1279573
-168.1004
-49.54929
19,
662) =
6.04
-0.21
0.835
-134.6448
-66.33278
22.61928
ob > F
=
0.0000
3.77
0.000
9.263602
squared
= 24.24598
0.2398
-36.72148
-5.33
-275.9113
ot
MSE 0.000= 74.56519
447.08
19.04529
-0.11
0.909
-63.61529
-143.693
-73.36595
-2.69
0.007
-280.463
-33.19707
34.3472
2.45
0.014
15.30443
-91.97068
-14.2566
[95%
Conf.
Interval]
-2.51
0.012
-4.079674
11.90237
72.06533
-3.57
0.000
-110.1938
-251.0081
-3.274741
-35.60264
15.10928
-1.21
0.225
-92.14784
-55.24957
-1.835945
-134.1971
-29.92551
0.54
0.587 59.98998
-104.6516
-2.829181
-44.03018
19.03246
-155.2236
-321.849
-34.54045
-57.78711
-52.98404
-177.3679
-49.54929
-66.33278
-36.72148
19.04529
-82.14372
-256.3089
30.82601
5.598135
11.12498
-90.21185
-.1279573
22.61928
24.24598
74.56519
Linear regression
brechaa
.3370232
50.54894
credito
-.
2.708653
osexo
.
-5.136657
oedadjh
13.15446
oaosesc
-.
47.98752
ohorastrab
-.
oblanco
ocomercio
130.6168onegro onhogar onegruc
ocasado
1
-96.48202
osoltero
-1
20.00866
70.64858
opatrono
-.
108.8252
ozona
-1
29.37548
oblanco
-1
-127.3164
onegro
-.
56.5765
onhogar
1
-43.77882
onegruc
.
138.7121
ocomercio
-1
-.5028193
otransporte
-.
-31.97282
omanufactura
-.
21.72797
oaosfun
-.
184.7591
oempleados
oambulante
_cons
-.
-.
4
-57.78711
5.598135
-52.98404
11.12498
-177.3679
-90.21185
-49.54929
-.1279573
-66.33278
22.61928
-36.72148
24.24598
19.04529
74.56519
-143.693
-73.36595
-33.19707
34.3472
-91.97068
-14.2566
11.90237
72.06533
-35.60264
15.10928
-134.1971
-29.92551
-44.03018
19.03246
-256.3089
ro-321.849
onhogar onegruc
ocomercio otran
. reg brechaa cred

> sporte omanufact
Linear regression
brechaa
credito
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactura
oaosfun
-.
.
-.
-.
1
-1
-.
-1
-1
-.
1
.
-1
-.
-.
-.
onhogar
1
onegruc
.
ocomercio
-1
otransporte
-.
omanufactura
-.
oaosfun
-.
oempleados
-.
oambulante
-.
horastrab casado soltero patrono zona blanco negro nhogar
negruc come
_cons
4
Number of obs
F( 19,
961)
Prob > F
R-squared
Root MSE
-1.95
0.04
1.08
-3.70
1.08
-0.21
0.21
-3.66
-1.15
-0.80
-0.21
3.77
-5.33
-0.11
-2.69
2.45
-2.51
-3.57
-1.21
0.54
P>|t|
0.051
0.967
0.282
0.000
0.281
0.830
0.831
0.000
0.252
0.423
0.835
0.000
0.000
0.909
0.007
0.014
0.012
0.000
0.225
0.587
=
=
=
=
=
981
8.87
0.0000
0.3053
377.72

-155.3128
-48.48266
-.7885736
-16.71583
-3.817589
-59.77315
-104.9702
-319.9328
-76.31902
-168.1004
-134.6448
9.263602
-275.9113
-63.61529
-280.463
15.30443
-4.079674
-110.1938
-92.14784
-104.6516
.3370232
50.54894
2.708653
-5.136657
13.15446
47.98752
130.6168
-96.48202
20.00866
70.64858
108.8252
29.37548
-127.3164
56.5765
-43.77882
138.7121
-.5028193
-31.97282
21.72797
184.7591
-1.21
0.54
0.225
0.587
-92.14784
-104.6516
21.72797
184.7591
o
negruc
comercio
transporte
manufact
. reg
brecha
credi
ar.nhogar
onegruc
ocomercio
otrans
. reg
brecha
credforohorastrab
osexo
oedadjh
oaosesc
reg brechaa
credito
osexo
oedadjh
oaosesc
ocasado
osolt
> ura
aosfun emple
> porte
omanufactura
oaosfun
oempleados
oam
> sporte omanufactura oaosfun
oempleados
oambulante,
robust
Linear regression
Linear regression
Linear regression
Number of obs
F( 19,
279)
Prob > F
R-squared
Root MSE
Robust
brecha
Coef.
Std. Err.
brechaa
Coef.
t
P>|t|
[95% Conf.
credito
-6
credfor
-174.5063
47.32129
-3.
sexo
3
credito
-.8249621
1.470443
-0.56
0.575
-3.719533
osexo
-29.69161
13.30629
-2.
edadjh
.
osexo
.0418186
.591018
0.07
0.944
-1.121602
oedadjh
24.8855
15.77196
1.
aosesc
-1
oedadjh
-1.18054
.5898935
-2.00
0.046
-2.341747
oaosesc
-113.7585
17.9458
-6.
horastrab
5
oaosesc
-.4887511 ohorastrab
.5752542
-0.85
0.396
-1.621141
-.7803488
16.44624
-0.
casado
-9
ohorastrab
-.8610031
.6198636
-1.39
0.166
-2.081206
ar onegruc ocomercio otrans
. reg ocasado
brecha credfor
osexo oedadjh
oaosesc
soltero
1
-19.10058
15.66355
-1.
omanufactura
oaosfun
oempleados
oam
ocasado
1.864305> porte
.6099694
3.06
0.002
.6635783
patrono
-2
osoltero
-17.67648
16.35054
-1.
osoltero
-1.073405
.8423198
-1.27
0.20422.22155
-2.731515
zona
-2
opatrono
-137.5178
-6.
Linear regression
opatrono
-.0920628
.461542
-0.20
0.84212.31359
-1.00061
blanco
-5
ozona
-30.44312
-2.
negro
-1
ozona
-1.418436
.5222612
-2.72
0.00722.33386
-2.446509
oblanco
-21.00047
-0.
nhogar
1
oblanco
-1.531506
.5969188
-2.57
0.01114.74755
-2.706543
onegro
-3.01214
-0.
negruc
onegro
-.5849613
.4248376
-1.38
0.17013.84426
-1.421255-2
onhogar
46.6992
3.
comercio
.
onhogar
1.927123
.6955094
2.77
0.00617.81299
.5580105
onegruc
-92.67593
-5.
transporte
-1
ocomercio
-1.954995
-0.
onegruc
.3904992
.5801586
0.67
0.50116.93063
-.7515448
Robust
manufactura
8
-48.00407
18.87135
-2.
ocomercio
-1.041205 otransporte
.5755498
-1.81
0.072Std.
-2.174176
brecha
Coef.
Err.
aosfun
-2
40.81184
15.31066
2.
otransporte
-.0022922omanufactura
.4151753
-0.01
0.996empleados
-.8195661-7
credfor
-174.5063
47.32129
-3.
oaosfun
-9.225983
12.77552
-0.
omanufactura
-.2032701
.5301338
-0.38
0.702ambulante
-1.24684
-3
osexo
-29.69161
13.30629
-2.
oempleados
-82.42104
26.98568
-3.
oaosfun
-.3547193
.5698668
-0.62
0.53415.77196
-1.4765041.
_cons
3
oedadjh
24.8855
-16.38817
-0.
oempleados
-.6736268 oambulante
.5323355
-1.27
0.20716.56295
-1.721531
oaosesc
-113.7585
17.9458
-6.
_cons
-262.1465
17.17778
-15.
-.7803488
-0.
oambulante
-.3996836 ohorastrab
.6973652
-0.57
0.56716.44624
-1.772449
Robust
brecha
Std. Err.
_cons
40.78333
ocasado
.6458671
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
-19.10058
-1.
63.15
0.00015.66355
39.51194
-17.67648
-137.5178
-30.44312
-21.00047
-3.01214
46.6992
-92.67593
16.35054
22.22155
12.31359
22.33386
14.74755
13.84426
17.81299
-1.
-6.
-2.
-0.
-0.
3.
-5.
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
_cons
-19.10058
-17.67648
-137.5178
-30.44312
-21.00047
-3.01214
46.6992
-92.67593
-1.954995
-48.00407
40.81184
-9.225983
-82.42104
-16.38817
-262.1465
15.66355
16.35054
22.22155
12.31359
22.33386
14.74755
13.84426
17.81299
16.93063
18.87135
15.31066
12.77552
26.98568
16.56295
17.17778
-1.
-1.
-6.
-2.
-0.
-0.
3.
-5.
-0.
-2.
2.
-0.
-3.
-0.
-15.
. reg brechaa credito osexo oedadjh oaosesc ohorastrab ocasado osolt

> sporte omanufactura oaosfun oempleados oambulante, robust
Linear regression
Number of obs
F( 19,
279)
Prob > F
R-squared
Root MSE
brechaa
Coef.
credito
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
ocomercio
otransporte
omanufactura
oaosfun
-.8249621
.0418186
-1.18054
-.4887511
-.8610031
1.864305
-1.073405
-.0920628
-1.418436
-1.531506
-.5849613
1.927123
.3904992
-1.041205
-.0022922
-.2032701
-.3547193
Robust
Std. Err.
1.470443
.591018
.5898935
.5752542
.6198636
.6099694
.8423198
.461542
.5222612
.5969188
.4248376
.6955094
.5801586
.5755498
.4151753
.5301338
.5698668
t
-0.56
0.07
-2.00
-0.85
-1.39
3.06
-1.27
-0.20
-2.72
-2.57
-1.38
2.77
0.67
-1.81
-0.01
-0.38
-0.62
P>|t|
0.575
0.944
0.046
0.396
0.166
0.002
0.204
0.842
0.007
0.011
0.170
0.006
0.501
0.072
0.996
0.702
0.534
[95% Conf.
-3.719533
-1.121602
-2.341747
-1.621141
-2.081206
.6635783
-2.731515
-1.00061
-2.446509
-2.706543
-1.421255
.5580105
-.7515448
-2.174176
-.8195661
-1.24684
-1.476504
onhogar
1.927123
.6955094
2.77
onegruc
.3904992
.5801586
0.67
ocomercio
-1.041205
.5755498
-1.81
otransporte
-.0022922
.4151753
-0.01
omanufactura
-.2032701
.5301338
-0.38
oaosfun
-.3547193
.5698668
-0.62
oempleados
-.6736268
.5323355
-1.27
oambulante
-.3996836
.6973652
-0.57
o nhogar
negruc comercio
transporte
manufact
_cons
40.78333
.6458671
63.15
0.006
.5580105
0.501
-.7515448
0.072
-2.174176
0.996
-.8195661
0.702
-1.24684
0.534
-1.476504
0.207
-1.721531
0.567
-1.772449
. reg brecha
credi
0.000
39.51194
> ura aosfun emple

Linear regression
brecha
credito
sexo
edadjh
aosesc
horastrab
casado
soltero
patrono
zona
blanco
negro
nhogar
negruc
comercio
transporte
manufactura
aosfun
empleados
ambulante
_cons
-6
3
.
-1
5
-9
1
-2
-2
-5
-1
1
-2
.
-1
8
-2
-7
-3
3
empleados
ambulante
_cons
-7
-3
3
. reg
brecha
credito
sexo
edadjh
aosesc
horastrab
casado
soltero
pat
xo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
astrab
ocasado
osoltero
opatrono
ozona
oblanco
onegro
onhogar
onegruc
> ura
aosfun empleados
ambulante,
sfun
oempleados
oambulante,
robust robust
nte,
robust
Linear regression
Number of obs
F( 19,
279)
Prob > F
R-squared
Root MSE
=
=
=
=
=
299
2.35
0.0014
0.1573
10.037
Number of obs
F( 19,
662)
Prob > F
R-squared
Root MSE
=
=
=
=
=
682
6.15
0.0000
0.2547
442.67
Number of obs
F( 19,
961)
Prob > F
R-squared
Root MSE
Robust
Robust
brecha
Coef.
Std. Err.
t
P>|t|
[95% Conf.
.
Std. Err.
t
P>|t|
P>|t|
credito
-69.61623
32.33195
-2.15
0.032
-133.0656
3
47.32129
-3.69
0.000
-267.4242
-81.58841
sexo
3.210077
0.13
0.899
-46.2122
0.575
-3.719533
2.06960925.18415
1
13.30629
-2.23
0.026
-55.81923
-3.563983
edadjh
.9847521
.889797
1.11
0.269
-.7614171
0.944
-1.121602
1.205239
5
15.77196
1.58
0.1152.973092
-6.083587
aosesc
-10.84126
-3.65 55.85459
0.000
-16.67576
0.046
-2.341747
-.0193332
5
17.9458
-6.34
0.0004.305194
-148.9961.23
-78.52093
horastrab
5.314469
0.217
-3.134198
0.396
-1.621141
.6436386
8
16.44624
-0.05
0.96227.48789
-33.07342
casado
-9.116541
-0.33 31.51273
0.740
-63.05976
0.166
-2.081206
.3592002
xo
oaosesc
ohorastrab
ocasado
osoltero
opatrono
ozona
oblanco
soltero
10.58604
0.18 11.65565
0.860
-107.2495
8 oedadjh
15.66355
-1.22
0.22360.04556
-49.85681
sfun oempleados
oambulante,
robust
0.002
.6635783
3.065032
patrono
-201.8172
-3.59 14.42869
0.000
-312.0742
8
16.35054
-1.08
0.28056.18376
-49.78166
0.204
-2.731515
.5847037
zona
-25.20154
-1.01
0.311
-74.01013
8
22.22155
-6.19
0.00024.87143
-181.151
-93.88459
Number of obs =
682
0.842
-1.00061
.8164841
blanco
-52.86396
-0.87
0.384
-172.0486
2
12.31359
-2.47
0.01460.73299
F( -54.62152
19,
662) -6.264722
=
6.15
negro
-10.92965
-0.17
0.864
-136.0861
0.007
-2.446509
-.3903629
7
22.33386
-0.94
0.34763.77608
-64.85422
Prob
> F
= 22.85328
0.0000
nhogar
19.50237
0.000
9.472711
R-squared
= 25.94547
0.2547
0.011
-2.706543
-.3564694
4
14.74755
-0.20
0.8385.110823
-31.969753.82
negruc
-5.39
0.000
-285.1238
Root
MSE
= 73.88315
442.67
0.170
-1.421255-209.0712
2
13.84426
3.37 .2513329
0.00138.75422
19.51525
comercio
.0184597
31.98908
0.00
1.000
-62.75806
0.006
.5580105
3
17.81299
-5.20 3.296235
0.000
-127.6527
-57.69916
transporte
-161.8871
63.24279
-2.56
0.011
-285.997
5
16.93063
-0.12 1.532543
0.908
-35.1992
31.28921
0.501
-.7515448
Robust
manufactura
81.11186
32.00701
2.53
0.011
18.30017
7
18.87135
-2.54
0.011
-85.05899
-10.94916
0.072
-2.174176
.
Std.
Err.
t .0917669
P>|t|
aosfun
-2.414992
.9041238
-2.67
0.008
-4.189277
4
15.31066
2.67 .8149818
0.008
10.74854
70.87514
0.996
-.8195661
empleados
-70.49069
19.90027
-3.54
0.000
-109.5437
3
47.32129
-3.69
0.000
-267.4242
-81.58841
3
12.77552
-0.72
0.470
-34.3114
15.85944
0.702ambulante
-1.24684-32.71763
.840299929.25358
-1.12
0.264
-90.1259
1
13.30629
-2.23
0.026
-55.81923
-3.563983
4
26.98568
-3.05
0.002
-135.4089
-29.4332
0.534
-1.4765041.58
.7670653
_cons
35.34007
0.631
-109.1337
5
15.77196
0.11573.61963
-6.0835870.48 55.85459
7
16.56295
-0.99
0.323
-48.91041
16.13408
0.207
-1.721531
5
17.9458
-6.34 .3742773
0.000
-148.996
-78.52093
5
17.17778
-15.26
0.000
-295.876
-228.417
8
16.44624
-0.05 .973082
0.962
-33.07342
31.51273
0.567
-1.772449
8
15.66355
-1.22 42.05472
0.223
0.000
39.51194
8
8
2
7
4
2
3
16.35054
22.22155
12.31359
22.33386
14.74755
13.84426
17.81299
-1.08
-6.19
-2.47
-0.94
-0.20
3.37
-5.20
0.280
0.000
0.014
0.347
0.838
0.001
0.000
-49.85681
-49.78166
-181.151
-54.62152
-64.85422
-31.96975
19.51525
-127.6527
11.65565
14.42869
-93.88459
-6.264722
22.85328
25.94547
73.88315
-57.69916
8
8
8
2
7
4
2
3
5
7
4
3
4
7
5
15.66355
16.35054
22.22155
12.31359
22.33386
14.74755
13.84426
17.81299
16.93063
18.87135
15.31066
12.77552
26.98568
16.56295
17.17778
-1.22
-1.08
-6.19
-2.47
-0.94
-0.20
3.37
-5.20
-0.12
-2.54
2.67
-0.72
-3.05
-0.99
-15.26
0.223
0.280
0.000
0.014
0.347
0.838
0.001
0.000
0.908
0.011
0.008
0.470
0.002
0.323
0.000
-49.85681
-49.78166
-181.151
-54.62152
-64.85422
-31.96975
19.51525
-127.6527
-35.1992
-85.05899
10.74854
-34.3114
-135.4089
-48.91041
-295.876
11.65565
14.42869
-93.88459
-6.264722
22.85328
25.94547
73.88315
-57.69916
31.28921
-10.94916
70.87514
15.85944
-29.4332
16.13408
-228.417
astrab ocasado osoltero opatrono ozona oblanco onegro onhogar onegruc

nte, robust
P>|t|
0.575
0.944
0.046
0.396
0.166
0.002
0.204
0.842
0.007
0.011
0.170
0.006
0.501
0.072
0.996
0.702
0.534
Number of obs
F( 19,
279)
Prob > F
R-squared
Root MSE
=
=
=
=
=
299
2.35
0.0014
0.1573
10.037

-3.719533
-1.121602
-2.341747
-1.621141
-2.081206
.6635783
-2.731515
-1.00061
-2.446509
-2.706543
-1.421255
.5580105
-.7515448
-2.174176
-.8195661
-1.24684
-1.476504
2.069609
1.205239
-.0193332
.6436386
.3592002
3.065032
.5847037
.8164841
-.3903629
-.3564694
.2513329
3.296235
1.532543
.0917669
.8149818
.8402999
.7670653
0.006
.5580105
0.501
-.7515448
0.072
-2.174176
0.996
-.8195661
0.702
-1.24684
0.534
-1.476504
0.207
-1.721531
0.567
-1.772449
. reg brecha
credito
0.000
39.51194
3.296235
1.532543
.0917669
.8149818
.8402999
.7670653
.3742773
.973082
sexo edadjh aosesc horastrab casado soltero pat
42.05472
> ura aosfun empleados ambulante, robust

Linear regression
Number of obs
F( 19,
961)
Prob > F
R-squared
Root MSE
brecha
Coef.
credito
sexo
edadjh
aosesc
horastrab
casado
soltero
patrono
zona
blanco
negro
nhogar
negruc
comercio
transporte
manufactura
aosfun
empleados
ambulante
_cons
-69.61623
3.210077
.9847521
-10.84126
5.314469
-9.116541
10.58604
-201.8172
-25.20154
-52.86396
-10.92965
19.50237
-209.0712
.0184597
-161.8871
81.11186
-2.414992
-70.49069
-32.71763
35.34007
Robust
Std. Err.
32.33195
25.18415
.889797
2.973092
4.305194
27.48789
60.04556
56.18376
24.87143
60.73299
63.77608
5.110823
38.75422
31.98908
63.24279
32.00701
.9041238
19.90027
29.25358
73.61963
t
-2.15
0.13
1.11
-3.65
1.23
-0.33
0.18
-3.59
-1.01
-0.87
-0.17
3.82
-5.39
0.00
-2.56
2.53
-2.67
-3.54
-1.12
0.48
P>|t|
0.032
0.899
0.269
0.000
0.217
0.740
0.860
0.000
0.311
0.384
0.864
0.000
0.000
1.000
0.011
0.011
0.008
0.000
0.264
0.631
[95% Conf.
-133.0656
-46.2122
-.7614171
-16.67576
-3.134198
-63.05976
-107.2495
-312.0742
-74.01013
-172.0486
-136.0861
9.472711
-285.1238
-62.75806
-285.997
18.30017
-4.189277
-109.5437
-90.1259
-109.1337
empleados
ambulante
_cons
-70.49069
-32.71763
35.34007
19.90027
29.25358
73.61963
-3.54
-1.12
0.48
0.000
0.264
0.631
-109.5437
-90.1259
-109.1337
b
casado
soltero
patrono
zona
blanco
negro nhogar
negruc
comercio tra
atrono
ozona
oblanco
onegro
onhogar
ocomercio
otrans
gro
onhogar
onegruc
ocomercio
otran onegruc
682
6.15
.0000
.2547
42.67
P>|t|
rval]
0.032
58841
0.899
63983
0.269
85459
0.000
Number of obs
F( 19,
961)
Prob > F
R-squared
Root MSE
65565
42869
88459
64722
85328
94547
88315
69916
981
8.80
0.0000
0.3056
377.63
-133.0656
-46.2122
-.7614171
-16.67576
52093
0.217
-3.134198
51273
0.740
-63.05976
atrono
oblanco
0.860
-107.2495
65565 ozona
0.000
-312.0742
42869
0.311
-74.01013
88459
682
0.384
-172.0486
64722
6.15
0.864
-136.0861
85328
.0000
0.000
9.472711
.2547
94547
0.000
-285.1238
42.67
88315
1.000
-62.75806
69916
0.011
-285.997
28921
0.011
18.30017
94916
rval]
0.008
-4.189277
87514
0.000
-109.5437
58841
85944
0.264
-90.1259
63983
.4332
0.631
-109.1337
85459
13408
52093
8.417
51273
=
=
=
=
=
-6.166849
52.63236
2.730921
-5.006756
13.76314
44.82668
onegro
onhogar onegruc ocomercio otrans
128.4216
-91.56017
23.60704
66.32063
114.2268
29.53203
-133.0185
62.79498
-37.7772
143.9235
-.6407072
-31.43769
24.69064
179.8138
65565
42869
88459
64722
85328
94547
88315
69916
28921
94916
87514
85944
.4332
13408
8.417
gro onhogar onegruc ocomercio otran
b casado soltero patrono zona blanco negro nhogar negruc comercio tra
P>|t|
0.032
0.899
0.269
0.000
0.217
0.740
0.860
0.000
0.311
0.384
0.864
0.000
0.000
1.000
0.011
0.011
0.008
0.000
0.264
0.631
Number of obs
F( 19,
961)
Prob > F
R-squared
Root MSE
=
=
=
=
=
981
8.80
0.0000
0.3056
377.63

-133.0656
-46.2122
-.7614171
-16.67576
-3.134198
-63.05976
-107.2495
-312.0742
-74.01013
-172.0486
-136.0861
9.472711
-285.1238
-62.75806
-285.997
18.30017
-4.189277
-109.5437
-90.1259
-109.1337
-6.166849
52.63236
2.730921
-5.006756
13.76314
44.82668
128.4216
-91.56017
23.60704
66.32063
114.2268
29.53203
-133.0185
62.79498
-37.7772
143.9235
-.6407072
-31.43769
24.69064
179.8138
0.000
0.264
0.631
-109.5437
-90.1259
-109.1337
-31.43769
24.69064
179.8138
negruc
comercio transporte manufact
cio
otrans
cio otrans
negruc comercio transporte manufact
Algorithm to estimate the propensity score

****************************************************
The treatment is credito

credito
0
1
Freq.
660
301
Total
Percent
68.68
31.32
961
Cum.
68.68
100.00
100.00
Estimation of the propensity score

Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
log
log
log
log
likelihood
likelihood
likelihood
likelihood
=
=
=
=
-597.40493
-530.24308
-529.13024
-529.12867
Probit regression
Number of obs =
LR chi2(17)
=
Prob > chi2
=
Pseudo R2
=
Log likelihood = -529.12867
credito
Coef.
oaosesc .2320771
oedadjh -.1034261
ohorastrab .2373974
ocasado -.0138534
osoltero .0492855
ozona
.012998
onegruc .1529365
osexo -.0237078
ovivpropia -.0242317
otlf .0732297
ocomercio .1543751
otransalmcom
.189655
omanufactura .1092433
oaosfun
-.13182
oempleados .1843556
ocpropia -.0912202
oempleadop -.0576063
Std. Err.
0.0445688
0.0453434
0.0452149
0.044711
0.0438678
0.0453011
0.0428586
0.044987
0.0448633
0.0445274
0.0444451
0.0428786
0.0468586
0.0470826
0.0424336
0.0447839
0.0435133
P>z
5.21 0.000
-2.28 0.023
5.25 0.000
-0.31 0.757
1.12 0.261
0.29 0.774
3.57 0.000
-0.53 0.598
-0.54 0.589
1.64 0.100
3.47 0.001
4.42 0.000
2.33 0.020
-2.8 0.005
4.34 0.000
-2.04 0.042
-1.32 0.186
[95% Conf.
.1447239
-.1922975
.1487778
-.1014853
-.0366938
-.0757905
.0689352
-.1118808
-.1121621
-.0140424
.0672642
.1056145
.017402
-.2241001
.1011872
-.1789951
-.1428909
_cons -.5522178
0.0455015
-12.14 0.000
Note: the common support option has been selected

The region of common support is [.06469327, .85136728]
Description of the estimated propensity score

in region of common support
Estimated propensity score
Percentiles
Smallest
1%
.0718639
.0646933
5%
.0922324
.0658056
10%
.1224612
.0666589
25%
.1925833
.0666986
50%
.3016475
Largest
Std. Dev.
75%
.4211751
90%
.5607946
95%
.6458302
99%
.7664202
Obs
Sum of Wgt.
926
926
Mean
.3220295
.16614
.8298256
.8335998
Variance
.0276025
.8359353
Skewness
.6693432
.8513673
Kurtosis
2.9505
******************************************************
Step 1: Identification of the optimal number of blocks
Use option detail if you want more detailed output
******************************************************
The final number of blocks is 7

This number of blocks ensures that the mean propensity score
is not different for treated and controls in each block
**********************************************************
Step 2: Test of balancing property of the propensity score
Use option detail if you want more detailed output
**********************************************************
Variable oempleados is not balanced in block 1
-.641399
Variable otlf is not balanced in block 6

The balancing property is not satisfied
Try a different specification of the propensity score
*******************************************
End of the algorithm to estimate the pscore
*******************************************
. attnd brecha credito, pscore(pnt) comsup
CREDITO SIN ATIPICOS 958

credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
660
68.89
68.89
1|
298
31.11
100.00
------------+----------------------------------Total |
958
100.00

Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
log
log
log
log
likelihood
likelihood
likelihood
likelihood
=
=
=
=
Probit regression
credito
oaosesc
oedadjh
-593.91202
-527.4071
-526.27465
-526.27297
Number of obs =
958
LR chi2(17)
=
135.28
Prob > chi2
=
0.0000
Pseudo R2
=
0.1139
Coef.
0.2214208
-0.1089395
Std. Err.
0.0446987
0.0455705
z
4.95
-2.39
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
otlf
ocomercio
otransalmcom
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
0.2357289
-0.0177088
0.0496708
0.0135015
0.1589538
-0.0242845
0.0543742
0.0695104
0.1553102
0.1892952
0.1182404
-0.1337173
0.1732501
-0.100161
-0.057749
-0.5600656
0.0453231
0.0448419
0.043903
0.045396
0.042983
0.045086
0.0447359
0.0446455
0.0445569
0.0430067
0.0470816
0.0472657
0.0424687
0.0449989
0.0435784
0.0456861
ATT estimation with Nearest Neighbor Matching method

(random draw version)
Bootstrapped standard errors
--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------298
192
-52.387
30.115
-1.740
--------------------------------------------------------Note: the numbers of treated and controls refer to actual

nearest neighbour matches
ATT estimation with the Kernel Matching method

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------298
625
-58.657
22.218
-2.640
---------------------------------------------------------
ATT estimation with the Radius Matching method

5.2
-0.39
1.13
0.3
3.7
-0.54
1.22
1.56
3.49
4.4
2.51
-2.83
4.08
-2.23
-1.33
-12.26
--------------------------------------------------------n. treat. n. contr.

ATT Std. Err.
--------------------------------------------------------219
373
-56.589
28.389
-1.993

matches within radius
961
136.55
0
0.1143
Interval]
0.3194304
-0.0145546
0.326017
0.0737786
0.1352648
0.1017866
0.2369378
0.0644652
0.0636988
0.1605019
0.2414859
0.2736955
0.2010845
-0.0395398
0.2675241
-0.0034454
0.0276782
TT estimation with Nearest Neighbor Matching m

Analytical standard errors
n. treat. n. contr.
301
199
ATT Std. Err.
-59.631
37.226
-1.602
Note: the numbers of treated and controls refer

attk brecha credito, pscore(pnt) comsup
The program is searching for matches of each tr

This operation may take a while.
-0.4630365
n. treat. n. contr.
301
625
ATT Std. Err.
-94.579
Note: Analytical standard errors cannot be comp

the bootstrap option to get bootstrapped standa
. attr brecha credito, pscore(pnt) radius(0.001) c
The program is searching fo


n. treat. n. contr.
224
382
ATT Std. Err.
-76.523
28.900
-2.648
Note: the numbers of treated and controls refer

P>z
[95% Conf.
0
0.133813
0.017 -0.1982561
Interval]
0.3090285
-0.019623
0
0.693
0.258
0.766
0
0.59
0.224
0.119
0
0
0.012
0.005
0
0.026
0.185
0
0.1468973 0.3245604
-0.1055973 0.0701798
-0.0363775 0.1357191
-0.0754731 0.1024761
0.0747088 0.2431988
-0.1126515 0.0640825
-0.0333066 0.1420549
-0.0179932 0.1570141
0.0679802 0.2426401
0.1050035 0.2735868
0.0259622 0.2105187
-0.2263563 -0.0410783
0.0900129 0.2564873
-0.1883572 -0.0119648
-0.1431611 0.0276631
-0.6496087 -0.4705224
h Nearest Neighbor Matching method
ATT Std. Err.
59.631
37.226
-1.602
s of treated and controls refer to actual

r matches
o, pscore(pnt) comsup
earching for matches of each treated unit.

ay take a while.
th the Kernel Matching method
ATT Std. Err.
94.579
tandard errors cannot be computed. Use

ion to get bootstrapped standard errors.
to, pscore(pnt) radius(0.001) comsup
radius.
ay take a while.
th the Radius Matching method
ATT Std. Err.
76.523
28.900
-2.648
s of treated and controls refer to actual
FORMAL SIN ATIPICOS

The treatment is credf
credf |
Freq.
Percent
Cum.
------------+----------------------------------0|
660
77.74
77.74
1|
189
22.26
100.00
------------+----------------------------------Total |
849
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
credf
oaosesc
oedadjh
Coef.
0.2586411
-0.1169748
-450.13777
-384.05449
-382.16256
-382.15163
-382.15163
Number of obs =
849
LR chi2(17)
=
135.97
Prob > chi2
=
0.0000
Pseudo R2
=
0.1510
Std. Err.
0.0516237
0.0538668
P>z
5.01
-2.17
[95% Conf.
0 0.1574605
0.03 -0.2225517
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
otlf
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
0.2287639
0.0438844
0.0840022
-0.0155198
0.2695121
-0.0759237
0.099004
0.0684252
0.1436538
0.2364237
0.1345643
-0.1441508
0.1356634
-0.073845
-0.0451143
-0.8976669
0.0523382
0.0523179
0.049052
0.0522106
0.0481154
0.0525293
0.052466
0.0518938
0.0519467
0.0479994
0.0564366
0.0571196
0.0464985
0.0526282
0.0504025
0.0554008
4.37
0.84
1.71
-0.3
5.6
-1.45
1.89
1.32
2.77
4.93
2.38
-2.52
2.92
-1.4
-0.9
-16.2

n. treat. n. contr.
189
130
ATT Std. Err.
-102.743
37.846
-2.715
Note: the numbers of treated and controls refer to actual


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------189
614
-82.373
28.528
-2.887
---------------------------------------------------------

0
0.402
0.087
0.766
0
0.148
0.059
0.187
0.006
0
0.017
0.012
0.004
0.161
0.371
0
0.1261829
-0.0586568
-0.0121378
-0.1178507
0.1752076
-0.1788792
-0.0038274
-0.0332848
0.0418402
0.1423465
0.0239507
-0.2561031
0.0445281
-0.1769944
-0.1439014
-1.006251
--------------------------------------------------------n. treat. n. contr.

ATT Std. Err.
--------------------------------------------------------126
263
-95.481
39.028
-2.447

The treatment is credinf

credinf |
Freq.
Percent
Cum.
------------+----------------------------------0|
660
85.83
85.83
1|
109
14.17
100.00
------------+----------------------------------Total |
769
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
Interval]
0.3598218
-0.0113979
credinf
oaosesc
oedadjh
Coef.
0.1133014
-0.1113289
-313.83975
-286.749
-285.85992
-285.85605
-285.85605
Number of obs =
7
LR chi2(17)
=
55.97
Prob > chi2
=
0.0000
Pseudo R2
=
Std. Err.
0.0589539
0.0611573
0.3313449
0.1464255
0.1801423
0.086811
0.3638167
0.0270319
0.2018355
0.1701352
0.2454674
0.3305008
0.245178
-0.0321986
0.2267987
0.0293044
0.0536727
-0.7890834
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
otlf
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
0.1987938
-0.1099306
-0.0090965
0.0550286
-0.0784356
0.0494865
-0.0147093
0.0543625
0.1567332
0.092768
0.0929026
-0.120383
0.205909
-0.1296828
-0.0917762
-1.181747
0.0589454
0.0597125
0.0604199
0.0625314
0.0603643
0.0614563
0.0582325
0.0587561
0.0588198
0.0568192
0.0635316
0.0634924
0.0548149
0.0597715
0.05717
0.0638152

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------109
99
-45.351
40.619
-1.116


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------109
604
-30.324
31.841
---------------------------------------------------------
-0.952
Cum.
313.83975
285.85992
285.85605
285.85605
Number of obs =
769
LR chi2(17)
=
55.97
Prob > chi2
=
0.0000
Pseudo R2
=
0.0892
P>z
1.92
-1.82
[95% Conf.
0.055
0.069
-0.002246
-0.231195
Interval]
0.2288488
0.0085372
3.37
-1.84
-0.15
0.88
-1.3
0.81
-0.25
0.93
2.66
1.63
1.46
-1.9
3.76
-2.17
-1.61
-18.52
eighbor Matching method
--------------td. Err.
--------------40.619
-1.116
--------------and controls refer to actual
Matching method
--------------td. Err.
--------------31.841
---------------
-0.952
0.001
0.066
0.88
0.379
0.194
0.421
0.801
0.355
0.008
0.103
0.144
0.058
0
0.03
0.108
0
0.083263 0.3143246
-0.2269649 0.0071036
-0.1275173 0.1093243
-0.0675307 0.1775878
-0.1967475 0.0398763
-0.0709657 0.1699387
-0.128843 0.0994243
-0.0607974 0.1695223
0.0414486 0.2720178
-0.0185956 0.2041316
-0.031617 0.2174222
-0.2448258 0.0040598
0.0984737 0.3133443
-0.2468329 -0.0125328
-0.2038274 0.0202749
-1.306822
-1.056671
total
credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
673
68.60
68.60
1|
308
31.40
100.00
------------+----------------------------------Total |
981
100.00

Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
log
log
log
log
likelihood
likelihood
likelihood
likelihood
=
=
=
=
Probit regression
credito
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
-0.0078166
-0.1169147
0.2390562
0.2387377
-0.0323551
0.0517874
0.1493108
-0.032224
0.1564465
0.1542842
0.175278
0.1220585
-0.1424752
0.1678348
-0.0409498
0.0575425
0.0643261
-0.5257127
-610.41424
-538.60874
-537.33673
-537.3347
Number of obs =
LR chi2(17)
=
146.16
Prob > chi2
=
0.0000
Pseudo R2
=
Std. Err.
0.0448074
0.045208
0.0457168
0.0453889
0.0445138
0.0432767
0.0420664
0.1384403
0.0426833
0.0441585
0.0425124
0.046693
0.0469462
0.0424085
0.0451514
0.0443381
0.0441964
0.1277657
981
0.1197
P>z
-0.17
-2.59
5.23
5.26
-0.73
1.2
3.55
-0.23
3.67
3.49
4.12
2.61
-3.03
3.96
-0.91
1.3
1.46
-4.11
[95% Conf.
0.862
0.01
0
0
0.467
0.231
0
0.816
0
0
0
0.009
0.002
0
0.364
0.194
0.146
0
-0.0956374
-0.2055206
0.1494529
0.149777
-0.1196006
-0.0330334
0.0668621
-0.3035621
0.0727887
0.0677351
0.0919552
0.0305418
-0.234488
0.0847157
-0.1294448
-0.0293586
-0.0222973
-0.7761288

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------308
202
-70.628
53.768
-1.314

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------308
642
-97.283
41.031
-2.371
--------------------------------------------------------ATT estimation with the Radius Matching method

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------219
377
-140.882
50.515
-2.789

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------302
642
-173.140
37.282
-4.644

estimaciones de impacto
tratados
controles
ATT
Std. Err
vecino mas c
308
202
-70,628
53,768
kernel
308
642
-97,283
41,031
credito
radius
219
377
-140,882
50,515
vecino mas c
194
139
-116,818
67,845
kernel
194
599
-109,809
56,356
credito
radius
136
260
-146,815
60,800
vecino mas c
114
95
18,067
86,304
kernel
114
638
-40,002
56,403
credito informalradius
87
282
-55,393
73,543
conformacion del grupo de tratamiento y grupo de control

credito
frecuencia
porcentaje cum.
0
673 68.60
68.60
credito
1
308 31.40
100.00
0
673 77.62
77.62
credito formal
1
194 22.38
100.00
0
673 85.51
85.51
credito informal
1
114 14.49
100.00
area de soporte comun

credito produ0.6161559, 0.8254695
credito produ0.3747792,
0.78565971
credito produc0.01619665, 0.58298996
formal
The treatment is credfor
credfor |
Freq.
Percent
Cum.
------------+----------------------------------0|
673
77.62
77.62
1|
194
22.38
100.00
------------+----------------------------------Total |
867
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
-460.9197
-388.67919
-386.36733
-386.35097
-386.35096
Number of obs =
8
LR chi2(17)
=
149.14
Prob > chi2
=
0.0000
Pseudo R2
=
Interval]
credfor
0.0800042
-0.0283087
0.3286595
0.3276983
0.0548904
0.1366083
0.2317595
0.239114
0.2401043
0.2408334
0.2586008
0.2135752
-0.0504623
0.2509539
0.0475453
0.1444436
0.1509495
-0.2752966
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
Coef.
-0.0634351
-0.107748
0.2893827
0.2325117
0.0249852
0.092997
0.108116
-0.1467418
0.2674617
0.1462911
0.224484
0.1224808
-0.1509912
0.1294301
-0.0971639
0.1017308
0.1541951
-0.7794551

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------194
139
-116.818
67.824
-1.722

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------194
599
-109.809
56.356
-1.948

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------136
260
-146.815
60.800
-2.415

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------192
599
-218.468
48.906
-4.467

t
-1,314
-2,371
-2,789
-1,722
-1,948
-2,415
0.209
-0.709
-0.753
estimacion del PSM

credito
credito
credito formal
osexo
-0.008
-0.063
oedadjh
-0.117
-0.108
oaosesc
0.239
0.289
ohorastrab
0.239
0.233
ocasado
-0.032
0.025
osoltero
0.052
0.093
opatrono
0.149
0.108
zona
-0.032
-0.147
onegruc
0.156
0.267
ocomercio
0.154
0.146
otransporte
0.175
0.224
omanufactura
0.122
0.122
oaosfun
-0.142
-0.151
oempleados
0.168
0.129
oambulante
-0.041
-0.097
ovivpropia
0.058
0.102
otelef
0.064
0.154
_cons
-0.526
-0.779
Pseudo R2 0.1197
0.1618
Log likelihood
-5373347.000
-38635096.000
LR chi2(17) 146.16
149.14
Prob > chi2 0.0000
0.0000
Cum.
-460.9197
388.67919
386.36733
386.35097
386.35096
Number of obs =
867
LR chi2(17)
=
149.14
Prob > chi2
=
0.0000
Pseudo R2
=
0.1618
Std. Err.
z
0.0525202
0.0538376
0.0530104
0.0531023
0.0521072
0.0483609
0.0473768
0.1581422
0.047878
0.051597
0.0474573
0.0563784
0.0569294
0.0465646
0.0545556
0.0522926
0.0520177
0.145412
P>z
-1.21
-2
5.46
4.38
0.48
1.92
2.28
-0.93
5.59
2.84
4.73
2.17
-2.65
2.78
-1.78
1.95
2.96
-5.36
[95% Conf.
0.227
0.045
0
0
0.632
0.054
0.022
0.353
0
0.005
0
0.03
0.008
0.005
0.075
0.052
0.003
0
Interval]
-0.1663728 0.0395026
-0.2132678 -0.0022282
0.1854842 0.3932812
0.1284331 0.3365903
-0.0771431 0.1271134
-0.0017886 0.1877826
0.0152593 0.2009728
-0.4566947 0.1632112
0.1736225 0.3613009
0.0451629 0.2474193
0.1314694 0.3174985
0.0119811 0.2329805
-0.2625708 -0.0394116
0.0381652 0.2206951
-0.204091 0.0097631
-0.0007608 0.2042224
0.0522424 0.2561479
-1.064457 -0.4944529
Neighbor Matching method
---------------Std. Err.
---------------67.824
-1.722
---------------and controls refer to actual
l Matching method
---------------Std. Err.
---------------56.356
-1.948
----------------
s Matching method
---------------Std. Err.
---------------60.800
-2.415
s Matching method
---------------Std. Err.
---------------48.906
-4.467
PSM
credito informal
0.071
-0.147
0.117
0.201
-0.116
-0.021
0.202
0.082
-0.084
0.161
0.093
0.104
-0.141
0.207
0.028
-0.012
-0.067
-1.258
0.1058
-29111904.000
68.89
0.0000
0.862
0.010
0.000
0.000
0.467
0.231
0.000
0.816
0.000
0.000
0.000
0.009
0.002
0.000
0.364
0.194
0.146
0.000
0.227
0.045
0.000
0.000
0.632
0.054
0.022
0.353
0.000
0.005
0.000
0.030
0.008
0.005
0.075
0.052
0.003
0.000
0.248
0.016
0.054
0.001
0.051
0.730
0.000
0.668
0.167
0.006
0.100
0.099
0.027
0.000
0.633
0.836
0.255
informal
credinf |
Freq.
Percent
Cum.
------------+----------------------------------0|
673
85.51
85.51
1|
114
14.49
100.00
------------+----------------------------------Total |
787
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
credinf
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
0.0713404
-0.147043
0.1169141
0.2007693
-0.1163687
-0.0210514
0.2024636
0.0822469
-0.0838737
0.1607482
0.0927045
0.1037866
-0.1414701
0.2072413
0.0282782
-0.011913
-0.0665607
-1.257753
-325.5644
-292.366
-291.12664
-291.11904
-291.11904
Number of obs =
787
LR chi2(17)
=
68.89
Prob > chi2
=
0.0000
Pseudo R2
=
0.1058
Std. Err.
0.0617533
0.0611476
0.0607831
0.0597046
0.0597096
0.0609561
0.0529453
0.192048
0.0607557
0.0587469
0.0564277
0.0629408
0.0641523
0.0561667
0.0593026
0.0576999
0.0584488
0.178207
P>z
1.16
-2.4
1.92
3.36
-1.95
-0.35
3.82
0.43
-1.38
2.74
1.64
1.65
-2.21
3.69
0.48
-0.21
-1.14
-7.06
[95% Conf.
0.248
0.016
0.054
0.001
0.051
0.73
0
0.668
0.167
0.006
0.1
0.099
0.027
0
0.633
0.836
0.255
0
-0.049694
-0.26689
-0.0022185
0.0837505
-0.2333974
-0.1405232
0.0986926
-0.2941602
-0.2029526
0.0456063
-0.0178917
-0.019575
-0.2672064
0.0971566
-0.0879528
-0.1250028
-0.1811182
-1.607032

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------114
95
18.067
86.304
0.209

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------114
638
-40.002
56.403
-0.709

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------87
282
-55.393
73.543
-0.753

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------111
608
-107.609
55.825
-1.928

Interval]
0.1923747
-0.0271959
0.2360468
0.3177881
0.0006601
0.0984204
0.3062345
0.458654
0.0352052
0.27589
0.2033008
0.2271482
-0.0157338
0.3173261
0.1445092
0.1011767
0.0479969
-0.9084735
CREDITO
credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
404
72.79
72.79
1|
151
27.21
100.00
------------+----------------------------------Total |
555
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
-324.84644
-290.35347
-289.51478
-289.512
-289.512
Probit regression
Number of obs =
LR chi2(18)
=
70.67
Prob > chi2
=
0.0000
Pseudo R2
=

credito
Coef. Std.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
onhogar
ovivpropia
otlf
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
0.1379695
-0.1629167
0.2643866
0.0368069
0.0024829
-0.0355787
0.1295544
-0.1117916
0.0296867
-0.0310861
0.0855472
0.2230504
0.1310364
0.1466977
-0.0239806
0.1590522
-0.0992567
-0.0490279
-0.6898377
Err.
0.0595159
0.0621659
0.064853
0.0597224
0.0604565
0.0594652
0.0578949
0.0608073
0.0623019
0.0612473
0.0600215
0.0602982
0.059323
0.0636702
0.0617563
0.0559443
0.0601775
0.058519
0.0624014
Z
2.32
-2.62
4.08
0.62
0.04
-0.6
2.24
-1.84
0.48
-0.51
1.43
3.7
2.21
2.3
-0.39
2.84
-1.65
-0.84
-11.05
555
0.1088

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------151
101
-43.976
44.267
-0.993


n. treat. n. contr.
92
147
ATTt
-30.312
Note: the numto

-0.66
actual

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------151
347
-36.071
27.314
---------------------------------------------------------
-1.321
FORMAL
credf |
Freq.
Percent
Cum.
------------+----------------------------------0|
478
86.13
86.13
1|
77
13.87
100.00
------------+----------------------------------Total |
555
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
0.1088

P>z
0.020
0.009
0.000
0.538
0.967
0.550
0.025
0.066
0.634
0.612
0.154
0.000
0.027
0.021
0.698
0.004
0.099
0.402
0.000
credf
.0213205
-.2847596
.137277
-.0802468
-.1160096
-.1521284
.0160826
-.2309718
-.0924227
-.1511285
-.0320927
.104868
.0147654
.0219063
-.1450206
.0494034
-.2172025
-.1637231
-.8121422
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
onhogar
ovivpropia
otlf
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
.2546184
-.0410738
.3914961
.1538606
.1209755
.080971
.2430263
.0073886
.1517961
.0889564
.2031871
.3412327
.2473073
.2714891
.0970595
.268701
.0186892
.0656673
-.5675333
Coef. Std.
0.209411
-0.1509683
0.159965
0.081149
0.0305745
0.0262963
0.2673823
-0.1732575
0.0048731
0.0399167
-0.0030055
0.1223042
0.1584912
0.043168
-0.015466
0.0840253
-0.0585414
-0.0149744
-1.218811
-223.48036
-196.61126
-195.91769
-195.91481
-195.91481
Number of
LR chi2(18)
=
Prob > chi2
=
Pseud
ATT estimation with Nearest Neighbor Matching

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------77
64
-69.321
50.564
-1.371
--------------------------------------------------------Note: the numbers of treated and controls refer


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------50
144
-51.338
45.840
-1.120


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------77
422
-49.768
38.412
---------------------------------------------------------
-1.296
q.
Percent
Cum.
-------------------------8
86.13
86.13
13.87
100.00
-------------------------5
100.00
propensity score
ikelihood
ikelihood
ikelihood
ikelihood
ikelihood
=
=
=
=
=
-223.48036
-196.61126
-195.91769
-195.91481
-195.91481
Number of obs =
555
LR chi2(18)
=
55.13
Prob > chi2
=
0.0000
Pseudo R2
=
0.1233
195.91481
Err.
0.0702965
0.0746305
0.0748287
0.0705025
0.0688508
0.0803528
0.0622309
0.0723092
0.077045
0.0699191
0.0715474
0.0717413
0.0675216
0.0785541
0.0768566
0.0609099
0.0722333
0.0699965
0.0769394
P>z
2.98
-2.02
2.14
1.15
0.44
0.33
4.3
-2.4
0.06
0.57
-0.04
1.7
2.35
0.55
-0.2
1.38
-0.81
-0.21
-15.84

0.003 .0716325 .3471896
0.043 -0.3019365
0.033 .0133035 .3066266
0.25 -.0570334 .2193314
0.657 -.1043706 .1655196
0.743 -.1311924
.183785
0 .1454119 .3893526
0.017 -0.3465149
0.95 -.1461323 .1558786
0.568 -.0971223 .1769556
0.966 -.1432358 .1372248
0.088 -.0183062 .2629147
0.019 .0261513 .2908312
0.583 -.1107952 .1971313
0.841 -.1661022 .1351701
0.168 -.035356 .2034066
0.418 -.200116 .0830332
0.831 -.1521649 .1222162
0
-2.437621
ith Nearest Neighbor Matching method
ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------69.321
50.564
-1.371
--------------------------------rs of treated and controls refer to actual

r matches
ith the Radius Matching method

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------51.338
45.840
-1.120
ith the Kernel Matching method

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------49.768
38.412
---------------------------------
-1.296
INFORMAL
The treatment is credin
credin |
Freq.
Percent
Cum.
------------+----------------------------------0|
481
86.67
86.67
1|
74
13.33
100.00
------------+----------------------------------Total |
555
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression

credin
Coef.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
onhogar
ovivpropia
otlf
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
-0.0159424
-0.1173542
0.2208504
-0.0310434
-0.0628176
-0.0543074
-0.1530657
-0.0017978
0.0328748
-0.0842611
0.1214828
0.2250288
0.0680568
0.1969228
-0.0205379
0.1637875
-0.1018532
-0.0626767
-1.238089
-217.93433
-198.45782
-197.44846
-197.43735
-197.43735
Number of obs =
555
LR chi2(18)
=
40.99
Prob > chi2
=
0.0015
Pseudo R2
=
0.0941
Std. Err.
0.0717256
0.0734583
0.0765034
0.0710815
0.0800186
0.0652973
0.0788857
0.0724611
0.0716931
0.0753689
0.0705578
0.0729964
0.0744527
0.0780948
0.0714031
0.0689245
0.0711995
0.0683699
0.0788376
P>z
-0.22
-1.6
2.89
-0.44
-0.79
-0.83
-1.94
-0.02
0.46
-1.12
1.72
3.08
0.91
2.52
-0.29
2.38
-1.43
-0.92
-15.7
0.824
0.11
0.004
0.662
0.432
0.406
0.052
0.98
0.647
0.264
0.085
0.002
0.361
0.012
0.774
0.017
0.153
0.359
0

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------74
58
-12.231
52.549
-0.233


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------53
116
-9.334
57.132
-0.163


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------74
428
-6.677
39.545
-0.169
---------------------------------------------------------
NUEVO
credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
404
72.79
72.79
1|
151
27.21
100.00
------------+----------------------------------Total |
555
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression

0.0941
[95% Conf.
-0.156522
-0.2613299
0.0709065
-0.1703606
-0.2196512
-0.1822877
-0.3076788
-0.143819
-0.1076411
-0.2319815
-0.016808
0.0819584
-0.0778679
0.0438598
-0.1604855
0.0286979
-0.2414017
-0.1966792
-1.392608
Interval]
0.1246373
0.0266215
0.3707944
0.1082737
0.094016
0.0736729
0.0015475
0.1402235
0.1733907
0.0634594
0.2597736
0.3680992
0.2139815
0.3499857
0.1194097
0.298877
0.0376953
0.0713258
-1.08357
credito
Coef.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
otlf
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
0.1386251
-0.1639688
0.2638911
0.0369848
0.0022143
-0.0356866
0.1295973
-0.1113421
0.0620312
0.0894311
0.2201484
0.1256819
0.1485038
-0.0206813
0.1606797
-0.1026181
-0.0502325
-0.6911705
-324.84644
-289.99186
-289.16424
-289.16157
-289.16157
Number of
LR chi2(17)
=
Prob > chi2
=
Pseud

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------151
99
-30.576
37.820
-0.808


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------151
336
-36.356
31.061
-1.170
---------------------------------------------------------
0.001 ATT estimation with the Radius Matching method

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------101
149
-27.131
45.609
-0.595


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------140
330
-67.571
29.261
-2.309

q.
Percent
Cum.
-------------------------4
72.79
72.79
1
27.21
100.00
-------------------------5
100.00
propensity score
ikelihood
ikelihood
ikelihood
ikelihood
ikelihood
=
=
=
=
=
289.16157
-324.84644
-289.99186
-289.16424
-289.16157
-289.16157
Number of obs =
555
LR chi2(17)
=
71.37
Prob > chi2
=
0.0000
Pseudo R2
=
0.1099
Std. Err.
0.0596185
0.0623007
0.0648219
0.0597545
0.0604971
0.0596067
0.0577778
0.0609034
0.060755
0.0600054
0.0602622
0.059194
0.0637652
0.0617093
0.0560359
0.0602807
0.0584277
0.0624945
P>z
2.33
-2.63
4.07
0.62
0.04
-0.6
2.24
-1.83
1.02
1.49
3.65
2.12
2.33
-0.34
2.87
-1.7
-0.86
-11.06
[95% Conf.
0.02
0.008
0
0.536
0.971
0.549
0.025
0.068
0.307
0.136
0
0.034
0.02
0.738
0.004
0.089
0.39
0
Interval]
0.021775 0.2554753
-0.286076 -0.0418616
0.1368425 0.3909397
-0.0801318 0.1541015
-0.1163579 0.1207865
-0.1525136 0.0811404
0.0163549 0.2428397
-0.2307106 0.0080264
-0.0570463 0.1811087
-0.0281773 0.2070395
0.1020367
0.33826
0.0096638 0.2417001
0.0235264 0.2734813
-0.1416293 0.1002667
0.0508513
0.270508
-0.2207662 0.0155299
-0.1647488 0.0642837
-0.8136575 -0.5686835
ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------30.576
37.820
-0.808

r matches

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------36.356
31.061
-1.170
---------------------------------

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------27.131
45.609
-0.595
--------------------------------.
ATT Std. Err.
---------------------------------67.571
29.261
-2.309
formal
credf |
Freq.
Percent
Cum.
------------+----------------------------------0|
404
83.99
83.99
1|
77
16.01
100.00
------------+----------------------------------Total |
481
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
credf
Coef.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
0.228856
-0.1900239
0.2095548
0.083052
0.0253215
0.0238176
0.2685184
-0.1838541
0.1494711
0.1572719
0.1576156
0.0704046
-0.0015202
0.0962727
-0.086993
-0.0427478
-1.155647
-211.54753
-181.43579
-180.4213
-180.41326
-180.41326
Number of obs =
481
LR chi2(16)
=
62.27
Prob > chi2
=
0.0000
Pseudo R2
=
0.1472
Std. Err.
0.0745172
0.079432
0.080939
0.0740951
0.0725706
0.0830714
0.0665049
0.0764195
0.0801778
0.0751206
0.0709287
0.0819061
0.0804984
0.0635639
0.0755997
0.0727826
0.0825074
P>z
3.07
-2.39
2.59
1.12
0.35
0.29
4.04
-2.41
1.86
2.09
2.22
0.86
-0.02
1.51
-1.15
-0.59
-14.01
[95% Conf.
0.002
0.017
0.01
0.262
0.727
0.774
0
0.016
0.062
0.036
0.026
0.39
0.985
0.13
0.25
0.557
0
0.082805
-0.3457077
0.0509173
-0.0621716
-0.1169144
-0.1389995
0.1381711
-0.3336335
-0.0076745
0.0100383
0.0185979
-0.0901283
-0.1592941
-0.0283102
-0.2351658
-0.185399
-1.317359

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------77
59
-29.535
55.713
-0.530


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------77
328
-42.777
39.707
-1.077

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------46
107
-63.747
67.140
-0.949


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------46
107
-63.747
67.140
-0.949

.
. attr brecha credf, pscore(pnt) radius(0.01) comsup bootstrap reps (200)
The program is searching for matches of treated units within radius.


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------73
326
-84.693
42.301
-2.002

Bootstrapping of standard errors

command:
attr brecha credf
statistic: r(attr)
(obs=481)
, pscore(pnt) comsup radius(.01)
Bootstrap statistics
Variable | Reps Observed
Bias Std. Err. [95% Conf. Interval]
---------+------------------------------------------------------------------bs1 | 200 -84.6935 12.2961 40.01094 -163.5933 -5.793661 (N)
|
-153.7247 6.980805 (P)
|
-169.8741 -14.74413 (BC)
----------------------------------------------------------------------------N = normal, P = percentile, BC = bias-corrected

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------73
326
-84.693
40.011
-2.117

Interval]
0.3749071
-0.0343401
0.3681924
0.2282757
0.1675573
0.1866346
0.3988657
-0.0340747
0.3066168
0.3045056
0.2966333
0.2309376
0.1562536
0.2208556
0.0611798
0.0999034
-0.9939355
total
credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
405
72.58
72.58
1|
153
27.42
100.00
------------+----------------------------------Total |
558
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
credito
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
-0.1012211
-0.1787476
0.163742
0.256927
0.0257949
0.0021047
0.1223428
-0.2880131
0.111933
0.2198596
0.1283713
0.1667881
-0.0265069
0.1550329
-0.0687876
0.0530073
0.0066066
-0.4134637
-327.76104
-292.3765
-291.49456
-291.49186
-291.49186
Number of obs =
558
LR chi2(17)
=
72.54
Prob > chi2
=
0.0000
Pseudo R2
=
0.1107
Std. Err.
0.0615445
0.0619968
0.0607845
0.0640895
0.0595222
0.0601163
0.057453
0.2679611
0.0578554
0.0601528
0.0590287
0.0634842
0.062294
0.0560842
0.0625266
0.0604074
0.0611355
0.2575485
P>z
-1.64
-2.88
2.69
4.01
0.43
0.04
2.13
-1.07
1.93
3.66
2.17
2.63
-0.43
2.76
-1.1
0.88
0.11
-1.61

0.1
0.004
0.007
0
0.665
0.972
0.033
0.282
0.053
0
0.03
0.009
0.67
0.006
0.271
0.38
0.914
0.108
--------------------------------------------------------n. treat. n. contr.

ATT Std. Err.
--------------------------------------------------------153
103
-63.519
77.297
-0.822

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------153
364
-71.000
52.207
-1.360
--------------------------------------------------------0.001 ATT estimation with the Radius Matching method

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------96
167
-102.076
77.852
-1.311

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------142
363
-131.631
50.124
-2.626

ATT estimation with the Stratification method
--------------------------------------------------------n. treat. n. contr.

ATT Std. Err.
--------------------------------------------------------153
364
-52.470
49.424
-1.062
---------------------------------------------------------
credito
credito
formal
credito
informal
estimaciones de impacto en Guayas

tratados
controles
ATT
Std. Err
vecino mas c
153
103
-63.519
77.297
kernel
153
364
-71.000
52.207
radius
96
167
-102.076
77.852
estratificado
153
364
-52.470
49.424
vecino mas c
76
56
-147.328
91.958
kernel
76
317
-104.460
73.143
radius
74
297
-108.086
81.791
estratificado
76
317
-99.370
78.701
vecino mas c
77
57
-83.923
109.048
kernel
77
310
14.665
94.039
radius
70
301
-58.328
66.697
estratificado
77
310
39.948
104.321
conformacion del grupo de tratamiento y grupo de control en guayas

credito
frecuencia
porcentaje
cum.
0
405
72.580
72.580
credito
1
153
27.420
100.000
0
405
84.200
84.200
credito
formal
1
76
15.800
100.000
0
405
84.020
84.020
credito
informal
1
77
15.980
100.000

credito produ0.06734553, 0.77042818
credito produ0.03879905, 0.69595615
credito produc0.04763885, 0.71883183
FORMAL
credfor |
Freq.
Percent
Cum.
------------+----------------------------------0|
405
84.20
84.20
1|
76
15.80
100.00
------------+----------------------------------Total |
481
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
0.1107
[95% Conf.
Interval]
-0.221846 0.0194038
-0.3002591 -0.0572361
0.0446065 0.2828774
0.1313139 0.3825401
-0.0908666 0.1424563
-0.1157212 0.1199305
0.0097369 0.2349486
-0.8132073
0.237181
-0.0014616 0.2253275
0.1019621
0.337757
0.0126772 0.2440654
0.0423612 0.2912149
-0.1486008
0.095587
0.0451099 0.2649559
-0.1913375 0.0537623
-0.065389 0.1714035
-0.1132167 0.1264299
-0.9182496 0.0913222
credfor
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
-209.88216
-179.21586
-178.00864
-177.99707
-177.99707
Number of obs =
LR chi2(17)
=
63.77
Prob > chi2
=
0.0000
Pseudo R2
=
Coef.
-0.1751965
-0.194628
0.2416357
0.1996909
0.0695348
0.0227714
0.043122
-0.0064273
0.2598744
0.1569853
0.1682727
0.0731194
-0.0151111
0.0861971
-0.1960898
0.1308052
0.04773
-1.168852
Std. Err.
0.0776044
0.080521
0.0757603
0.0810345
0.0745737
0.0726492
0.070746
0.3880912
0.0673516
0.0758163
0.0708272
0.0825699
0.0821486
0.064739
0.0825453
0.0798577
0.0769231
0.3774452

--------------------------------------------------------n. treat. n. contr.

ATT Std. Err.
--------------------------------------------------------76
56
-147.328
91.958
-1.602

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------76
317
-104.460
73.143
-1.428

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------46
101
-108.086
118.248
-0.914

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------74
297
-184.531
81.791
-2.256

--------------------------------------------------------n. treat. n. contr.

ATT Std. Err.
--------------------------------------------------------76
317
-99.370
78.701
-1.263
--------------------------------------------------------
t
-0.822
-1.360
-1.311
-1.062
-1.602
-1.428
-2.256
-1.263
-0.770
0.156
-0.875
0.383
estimacion del PSM en Guayas

credito
credito
credito formal credito informal
osexo
-0.101
-0.175
-0.008
oedadjh
-0.179
-0.195
-0.184
oaosesc
0.164
0.242
0.043
ohorastrab
0.257
0.200
0.268
ocasado
0.026
0.070
-0.023
osoltero
0.002
0.023
-0.048
opatrono
0.122
0.043
0.212
zona
-0.288
-0.006
-0.391
onegruc
0.112
0.260
-0.123
ocomercio
0.220
0.157
0.276
otransporte
0.128
0.168
0.106
omanufactura
0.167
0.073
0.244
oaosfun
-0.027
-0.015
-0.039
oempleados
0.155
0.086
0.194
oambulante
-0.069
-0.196
0.018
ovivpropia
0.053
0.131
-0.009
otelef
0.007
0.048
-0.043
_cons
-0.413
-1.169
-0.793
Pseudo R2
0.111
0.152
0.127
Log likelihood
-291.492
-177.997
-184.772
LR chi2(17)
72.540
63.770
53.900
Prob > chi2
0.000
0.000
0.000
INFORMAL
credinf |
Freq.
Percent
------------+--------------------------0|
405
84.02
1|
77
15.98
------------+--------------------------Total |
482
100.00
Estimation of the propensity s

Iteration
Iteration
Iteration
Iteration
Iteration
umber of obs =
481
(17)
=
63.77
chi2
=
0.0000
Pseudo R2
=
0.1519
Matching method
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
-2
-1
-1
-1
-1
Probit regression
P>z
-2.26
-2.42
3.19
2.46
0.93
0.31
0.61
-0.02
3.86
2.07
2.38
0.89
-0.18
1.33
-2.38
1.64
0.62
-3.1
0:
1:
2:
3:
4:
[95% Conf.
0.024
0.016
0.001
0.014
0.351
0.754
0.542
0.987
0
0.038
0.018
0.376
0.854
0.183
0.018
0.101
0.535
0.002
-0.3272982
-0.3524462
0.0931483
0.0408663
-0.076627
-0.1196184
-0.0955376
-0.7670721
0.1278676
0.008388
0.0294541
-0.0887147
-0.1761195
-0.0406891
-0.3578757
-0.0257131
-0.1030365
-1.908631
Interval]
-0.0230947
-0.0368098
0.3901231
0.3585156
0.2156966
0.1651613
0.1817816
0.7542174
0.3918811
0.3055825
0.3070914
0.2349535
0.1458973
0.2130833
-0.0343039
0.2873235
0.1984965
-0.4290725
credinf
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
ATT estimation with Nearest N

-----------------------------------------n. treat. n. contr.

ATT S
-----------------------------------------77
ols refer to actual
g method
57
-83.923
-----------------------------------------Note: the numbers of treated a

ATT estimation with the Kerne

-----------------------------------------n. treat. n. contr.

ATT S
------------------------------------------1.428
77
310
14.665
------------------------------------------
g method
ATT estimation with the Radiu

-----------------------------------------n. treat. n. contr.

ATT S
------------------------------------------0.914
ols refer to actual
g method
51
101
-73.952

ATT estimation with the Radiu
-----------------------------------------n. treat. n. contr.

ATT S
------------------------------------------2.256
ols refer to actual
70
301
-58.328

ATT estimation with the Stratifi

-----------------------------------------n. treat. n. contr.

ATT S
-----------------------------------------77
310
39.948
------------------------------------------
0.100
0.004
0.007
0.000
0.665
0.972
0.033
0.282
0.053
0.000
0.030
0.009
0.670
0.006
0.271
0.380
0.914
0.108
0.024
0.016
0.001
0.014
0.351
0.754
0.542
0.987
0.000
0.038
0.018
0.376
0.854
0.183
0.018
0.101
0.535
0.002
0.921
0.018
0.573
0.001
0.760
0.559
0.002
0.201
0.134
0.000
0.166
0.003
0.607
0.006
0.814
0.897
0.567
0.007
treatment is credinf
redinf |
Freq.
Percent
Cum.
-------+----------------------------------0|
405
84.02
84.02
1|
77
15.98
100.00
-------+----------------------------------Total |
482
100.00
mation of the propensity score
ation
ation
ation
ation
ation
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
bit regression
likelihood = -184.77208
Coef.
-0.0076874
-0.1835067
0.0426687
0.2681134
-0.0226232
-0.0479398
0.2115891
-0.3911886
-0.1227967
0.2762166
0.1059137
0.2441138
-0.0394019
0.1935403
0.0180403
-0.0093548
-0.0431529
-0.79345
-211.72178
-186.41842
-184.80046
-184.77209
-184.77208
Number of obs =
482
LR chi2(17)
=
53.90
Prob > chi2
=
0.0000
Pseudo R2
=
0.1273
Std. Err.
0.0777552
0.0774404
0.0757681
0.0813588
0.0739233
0.0819587
0.0693543
0.3062417
0.0818487
0.0769941
0.0764734
0.0828399
0.0766263
0.0710014
0.0767898
0.0725481
0.0754154
0.2940081
P>z
-0.1
-2.37
0.56
3.3
-0.31
-0.58
3.05
-1.28
-1.5
3.59
1.38
2.95
-0.51
2.73
0.23
-0.13
-0.57
-2.7
estimation with Nearest Neighbor Matching method

dom draw version)
tstrapped standard errors
[95% Conf.
0.921
0.018
0.573
0.001
0.76
0.559
0.002
0.201
0.134
0
0.166
0.003
0.607
0.006
0.814
0.897
0.567
0.007
Interval]
-0.1600848
0.14471
-0.3352872 -0.0317262
-0.105834 0.1911714
0.108653 0.4275739
-0.1675103 0.1222639
-0.2085759 0.1126964
0.0756573
0.347521
-0.9914113
0.209034
-0.2832172 0.0376238
0.125311 0.4271222
-0.0439715 0.2557989
0.0817505 0.4064771
-0.1895867 0.1107829
0.0543801 0.3327005
-0.1324649 0.1685455
-0.1515463 0.1328368
-0.1909643 0.1046585
-1.369695 -0.2172047
---------------------------------------------------reat. n. contr.
ATT Std. Err.
---------------------------------------------------77
57
-83.923
109.048
-0.770
---------------------------------------------------e: the numbers of treated and controls refer to actual

rest neighbour matches
estimation with the Kernel Matching method

---------------------------------------------------reat. n. contr.
ATT Std. Err.
---------------------------------------------------77
310
14.665
94.039
0.156
----------------------------------------------------
estimation with the Radius Matching method

---------------------------------------------------reat. n. contr.
ATT Std. Err.
---------------------------------------------------51
101
-73.952
94.361
-0.784

ches within radius
estimation with the Radius Matching method

---------------------------------------------------reat. n. contr.
ATT Std. Err.
---------------------------------------------------70
301
-58.328
66.697
-0.875

ches within radius
estimation with the Stratification method

---------------------------------------------------reat. n. contr.
ATT Std. Err.
---------------------------------------------------77
310
39.948
104.321
----------------------------------------------------
0.383
CREDITO
credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
121
71.18
71.18
1|
49
28.82
100.00
------------+----------------------------------Total |
170
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
Probit regression

credito
-102.09588
-80.531019
-78.723466
-78.616347
-78.615661
-78.615661
Number of obs =
170
LR chi2(18)
=
46.96
Prob > chi2
=
0.0002
Pseudo R2
=
0.2300
Coef. Std. Err.
oaosesc
.491091 .1251264
oedadjh
.1455454 .1150251
ohorastrab .2144916 .1208989
ocasado
-.0237534 .1198954
osoltero
.0074825 .1277242
ozona
.0725793 .1218741
onegruc
.1532629 .1075284
osexo
.2823027 .1412224
onhogar
.0783336 .1268067
ovivpropia
-.0918167 .1212739
otlf
.1023827 .1177132
ocomercio
.0657559 .1163463
otransalmco .3481234 .1146152
omanufactura.0119195 .1215013
oaosfun
-.4567014 .1620243
oempleados .279955 .1158002
ocpropia
-.0200209 .123709
oempleadop -.0828123 .1051835
_cons
-.7782732
.13735
P>z
3.92
1.27
1.77
-0.2
0.06
0.6
1.43
2
0.62
-0.76
0.87
0.57
3.04
0.1
-2.82
2.42
-0.16
-0.79
-5.67
0
0.206
0.076
0.843
0.953
0.551
0.154
0.046
0.537
0.449
0.384
0.572
0.002
0.922
0.005
0.016
0.871
0.431
0

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------49
28
-308.723
97.012
-3.182


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------9
10
-140.137
198.197
-0.707


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------49
85
-295.570
89.419
-3.305
---------------------------------------------------------

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------36
51
-164.827
62.976
-2.617

FORMAL
credf |
Freq.
Percent
Cum.
------------+----------------------------------0|
136
80.00
80.00
1|
34
20.00
100.00
------------+----------------------------------Total |
170
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
Probit regression

credf
Coef. Std.
.2458478 .7363342
-.0798996 .3709904
-.0224658
.451449
-.258744 .2112372
-.2428523 .2578173
-.1662895 .3114481
-.0574889 .3640147
.0055119 .5590936
-.1702029
.32687
-.3295092 .1458757
-.128331 .3330963
-.1622787 .2937905
.1234817 .5727651
-.2262186 .2500576
-0.9134028
.0529907 .5069192
-.2624861 .2224442
-.2889681 .1233434
-1.5565462
oaosesc
oedadjh
ocasado
osoltero
ozona
onegruc
osexo
onhogar
ovivpropia
otlf
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
0.4633189
0.1753775
0.029686
-0.1104051
-0.0526955
0.2168675
0.3316703
0.1114191
-0.0008507
0.0894317
0.0428304
0.4215649
-0.0347326
-0.3096681
0.3742471
0.0643241
-0.2144396
-1.157813
-85.068412
-63.275544
-61.571195
-61.45524
-61.454174
-61.454174
Number of
LR chi2(17)
=
Prob > chi2
=
Pseud

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------34
19
-293.204
145.464
-2.016


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------5
-398.248
236.019
-1.687


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------34
100
-327.839
136.931
-2.39
---------------------------------------------------------

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------22
46
-202.818
111.973
-1.811

q.
Percent
Cum.
-------------------------6
80.00
80.00
20.00
100.00
-------------------------0
100.00
propensity score
ikelihood
ikelihood
ikelihood
ikelihood
ikelihood
ikelihood
=
=
=
=
=
=
-85.068412
-63.275544
-61.571195
-61.45524
-61.454174
-61.454174
Number of obs =
170
LR chi2(17)
=
47.23
Prob > chi2
=
0.0001
Pseudo R2
=
0.2776
61.454174
Err.
0.1393254
0.1365082
0.1405277
0.173203
0.1381179
0.1215868
0.1687393
0.1422228
0.1327397
0.1333511
0.1290677
0.1185366
0.1390673
0.1808368
0.1287247
0.143932
0.143334
0.1651055
P>z
3.33
1.28
0.21
-0.64
-0.38
1.78
1.97
0.78
-0.01
0.67
0.33
3.56
-0.25
-1.71
2.91
0.45
-1.5
-7.01
0.001
0.199
0.833
0.524
0.703
0.074
0.049
0.433
0.995
0.502
0.740
0.000
0.803
0.087
0.004
0.655
0.135
0.000

.190246 .7363917
-.0921738 .4429287
-.2457432 .3051152
-.4498767 .2290665
-.3234017 .2180107
-.0214383 .4551733
.0009473 .6623934
-.1673324 .3901707
-.2610158 .2593144
-.1719317 .3507951
-.2101376 .2957984
.1892375 .6538923
-.3072996 .2378344
-.6641016 .0447655
.1219513 .6265429
-.2177776 .3464257
-.4953692 .0664899
-1.481414 -.8342127
ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------293.204
145.464
-2.016

r matches

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------
-398.248
236.019
-1.687

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------327.839
136.931
-2.394
---------------------------------
ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------202.818
111.973
-1.811
. Interval]
6 .7363917
8 .4429287
2 .3051152
7 .2290665
7 .2180107
3 .4551733
3 .6623934
4 .3901707
8 .2593144
7 .3507951
6 .2957984
5 .6538923
6 .2378344
6 .0447655
3 .6265429
6 .3464257
2 .0664899
4 -.8342127
INFORMAL
credin |
Freq.
Percent
Cum.
------------+----------------------------------0|
155
91.18
91.18
1|
15
8.82
100.00
------------+----------------------------------Total |
170
100.00
Probit regression
Number of obs =
170
LR chi2(18)
=
16.68
Prob > chi2
=
0.5453
Pseudo R2
=
0.1644

credin
Coef. Std.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
onhogar
ovivpropia
otlf
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
Err.
0.2351868
-0.103955
0.1059723
-0.1792762
-0.0470396
0.15042
-0.3967114
-0.0794929
-0.0596426
-0.4149637
-0.0452969
0.4262118
-1.120321 .
0.0743243
-0.4729887
-0.0486084
-0.0575154
0.0672017
-1.911382
0.1658992
0.1472157
0.1591221
0.1534523
0.1382102
0.1674449
0.1445165
0.1716155
0.1745048
0.1856291
0.156846
0.1575771
0.1577544
0.2278065
0.1645926
0.1589985
0.1246403
0.1995463

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------15
14
-57.236
123.647
-0.463


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------7
-207.246
357.501
-0.580


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------15
118
-58.659
86.948
-0.675
--------------------------------------------------------.

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------13
58
-93.539
97.935
-0.955

er of obs =
170
=
16.68
=
0.5453
seudo R2
=
0.1644
z
P>z
1.42
-0.71
0.67
-1.17
-0.34
0.9
-2.75
-0.46
-0.34
-2.24
-0.29
2.7
.
0.47
-2.08
-0.3
-0.36
0.54
-9.58
0.156
0.480
0.505
0.243
0.734
0.369
0.006
0.643
0.733
0.025
0.773
0.007
.
0.638
0.038
0.768
0.718
0.590
0.000

-.0899697
-.3924925
-.2059014
-.4800371
-.3179266
-.177766
-.6799586
-.4158531
-.4016657
-.77879
-.3527093
.1173664
.
.
-.2348686
-.9194813
-.371204
-.3691467
-.1770887
-2.302486
.5603432
.1845825
.417846
.1214847
.2238474
.4786059
-.1134643
.2568673
.2823805
-.0511375
.2621156
.7350572
.3835173
-.0264961
.2739871
.254116
.3114922
-1.520279
hing method
efer to actual
efer to actual
0.001
efer to actual
nuevo
credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
121
71.60
71.60
1|
48
28.40
100.00
------------+----------------------------------Total |
169
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
Probit regression
credito
Coef.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
0.4647381
0.1290967
0.1976041
-0.0309793
0.0175079
0.0870183
0.1628576
0.28605
0.0687795
0.0796719
0.3284005
0.0448462
-0.4729985
0.2173511
-0.0038741
-0.0636075
-0.7752407
-100.84458
-81.779656
-80.137885
-80.038725
-80.038176
-80.038176
Number of obs =
169
LR chi2(16)
=
41.61
Prob > chi2
=
0.0005
Pseudo R2
=
0.2063
Std. Err.
0.1226983
0.11396
0.1195476
0.1185795
0.1265342
0.1200355
0.1064732
0.1412692
0.1161345
0.1154345
0.1138825
0.1217754
0.1609007
0.1102626
0.122605
0.1045145
0.1351029
P>z
3.79
1.13
1.65
-0.26
0.14
0.72
1.53
2.02
0.59
0.69
2.88
0.37
-2.94
1.97
-0.03
-0.61
-5.74
[95% Conf.
0
0.257
0.098
0.794
0.89
0.468
0.126
0.043
0.554
0.49
0.004
0.713
0.003
0.049
0.975
0.543
0
0.2242538
-0.0942607
-0.0367048
-0.2633908
-0.2304945
-0.148247
-0.045826
0.0091674
-0.1588398
-0.1465755
0.105195
-0.1938292
-0.7883581
0.0012403
-0.2441755
-0.2684522
-1.040037

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------48
32
-196.429
67.408
-2.914

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------48
79
-219.373
55.609
-3.945
---------------------------------------------------------

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------12
12
-135.107
131.159
-1.030


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
---------------------------------------------------------
40
60
-160.201
68.091
-2.353

formal
credf |
Freq.
Percent
Cum.
------------+----------------------------------0|
121
78.57
78.57
1|
33
21.43
100.00
------------+----------------------------------Total |
154
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
Probit regression
-80.015295
-61.789316
-60.878139
-60.856434
-60.856402
-60.856402
Number of obs =
154
LR chi2(15)
=
38.32
Prob > chi2
=
0.0008
Pseudo R2
=
0.2394
Interval]
credf
0.7052223
0.3524541
0.431913
0.2014322
0.2655102
0.3222835
0.3715413
0.5629326
0.2963989
0.3059192
0.551606
0.2835216
-0.157639
0.433462
0.2364274
0.1412371
-0.5104439
Coef.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
ocomercio
otransalmco
omanufactura
oempleados
ocpropia
oempleadop
_cons
0.4149644
0.1778425
0.1152817
-0.0074769
-0.1059779
-0.0071245
0.2107613
0.2991512
0.0623595
0.0324819
0.3928731
0.0085995
0.2901531
0.0597487
-0.2059859
-1.00255
Std. Err.
0.1293039
0.1330291
0.1356209
0.1398297
0.187269
0.1366014
0.1217587
0.161465
0.134937
0.1280526
0.1206968
0.1392197
0.121685
0.1411189
0.1441862
0.1460772
z
3.21
1.34
0.85
-0.05
-0.57
-0.05
1.73
1.85
0.46
0.25
3.26
0.06
2.38
0.42
-1.43
-6.86

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------33
22
-164.167
86.314
-1.902

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------33
92
-241.278
79.684
-3.028
---------------------------------------------------------

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------3
-52.551
91.782
-0.573


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
---------------------------------------------------------
21
58
-211.675
99.200
-2.134

er of obs =
154
=
38.32
=
0.0008
seudo R2
=
0.2394
P>z
[95% Conf.
0.001
0.181
0.395
0.957
0.571
0.958
0.083
0.064
0.644
0.8
0.001
0.951
0.017
0.672
0.153
0
Interval]
0.1615334 0.6683954
-0.0828896 0.4385746
-0.1505303 0.3810937
-0.281538 0.2665842
-0.4730185 0.2610626
-0.2748584 0.2606093
-0.0278814
0.449404
-0.0173144 0.6156168
-0.2021122 0.3268311
-0.2184966 0.2834603
0.1563117 0.6294346
-0.2642662 0.2814652
0.051655 0.5286513
-0.2168393 0.3363366
-0.4885858 0.0766139
-1.288856 -0.7162435
hing method
efer to actual
efer to actual
efer to actual
credito
Freq.
0
1
Percent
130
52
Total
Iteration
Iteration
Iteration
Iteration
Iteration
71.43
28.57
182
0:00 log
1:00 log
2:00 log
3:00 log
4:00 log
Probit regressNumber of ob=

LR chi2(17) =
Prob > chi2 =
Log likelihoo Pseudo R2 =
credito
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
0.2762866
0.1444925
0.4801245
0.165368
-0.1187
0.1145265
0.2416537
-0.0138343
0.1538827
0.054986
0.3025731
0.0460622
-0.3649335
0.1603033
0.1168507
0.0807051
0.1129053
-0.7364049
Cum.
71.43
100
100
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
-108.88507
-85.683641
-84.195173
-84.135595
-84.135431
182
49.5
0.0001
0.2273
Std. Err.
0.1327916
0.1116362
0.122947
0.1168401
0.1131353
0.1092804
0.10398
0.2684891
0.1065391
0.1107619
0.1098512
0.1185235
0.1421022
0.1075667
0.108591
0.1151963
0.1186648
0.2087016
P>z
2.08
1.29
3.91
1.42
-1.05
1.05
2.32
-0.05
1.44
0.5
2.75
0.39
-2.57
1.49
1.08
0.7
0.95
-3.53

[95% Conf.
0.037
0.196
0
0.157
0.294
0.295
0.02
0.959
0.149
0.62
0.006
0.698
0.01
0.136
0.282
0.484
0.341
0
0.0160199
-0.0743105
0.2391529
-0.0636344
-0.3404411
-0.0996591
0.0378567
-0.5400632
-0.0549301
-0.1621034
0.0872688
-0.1862397
-0.6434487
-0.0505236
-0.0959838
-0.1450754
-0.1196734
-1.145452

n.
treat.
n.
contr.
52
ATT
26
Std. Err.
-167.935
56.364

n.
treat.
n.
contr.
52
ATT
105
Std. Err.
-62.394
44.972

n.
treat.
n.
contr.
10
ATT
12
Std. Err.
-129.815
127.249
attr brecha credito, pscore(pnt) radius(0.01) comsup bootstrap reps (200)

n.
treat.
n.
contr.
41
ATT
72
Std. Err.
-142.916
44.975

n.
treat.
n.
49
contr.
ATT
108
Std. Err.
-52.597
conformacion del grupo de tratamiento y grupo de control en Azuay

credito
Freq.
Percent
Cum.
0
130.00
71.43
71.43
credito
1
52.00
28.57
100.00
0
130.00
78.31
78.31
credito formal
1
36.00
21.69
100.00
0
130.00
89.04
89.04
credito informal
50.228
credito informal
credito
credito
formal
credito
informal
16.00
10.96
100.00
estimaciones de impacto en Azuay

tratados
controles
ATT
Std. Err
vecino mas c
52
26
-167.935
56.364
kernel
52
105
-62.394
44.972
radius
41
72
-142.916
44.975
estratificado
41
72
-142.916
44.975
vecino mas c
36
24
-9.525
77.492
kernel
36
88
-74.048
51.720
radius
33
88
-88.370
56.372
estratificado
33
91
-73.705
57.617
vecino mas c
16
11
-28.214
99.756
kernel
16
87
-41.117
60.910
radius
16
87
-30.799
61.488
estratificado
16
87
-24.272
65.266

credito produ0.04665046, 0.98843742
credito produ0.04531497, 0.99190397
credito produc0.01657532, 0.43586589
credfor Freq. Percent

0
1
Total
Cum.
130
36
78.31
21.69
166
100
Iteration
0:00 log
Iteration
1:00 log
Iteration
2:00 log
Iteration
3:00 log
Iteration
4:00 log
Iteration
5:00 log
Probit regressNumber of ob=
LR chi2(17) =
Prob > chi2 =
Log likelihoo Pseudo R2 =
Interval]
0.5365533
0.3632955
0.7210962
0.3943704
0.1030411
0.3287122
0.4454507
0.5123947
0.3626955
0.2720753
0.5178775
0.2783641
-0.0864184
0.3711303
0.3296852
0.3064856
0.345484
-0.3273574
credfor
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
0.3164137
0.1653191
0.5482245
0.0811456
-0.1091751
0.1323531
0.3043742
-0.217301
0.1832989
0.0514109
0.3804802
-0.0280127
-0.2465645
0.217884
0.0878845
0.1393562
0.2675662
-0.9287838
ATT estimatioMatching
78.31
100
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
166
48.02
0.0001
0.2766
Std. Err.
0.1598941
0.1369316
0.1445659
0.1402303
0.1326934
0.1297136
0.1189423
0.3132647
0.1220638
0.1268355
0.1222257
0.1427652
0.1630304
0.1200025
0.1262107
0.1335123
0.143585
0.2385646
method
z
1.98
1.21
3.79
0.58
-0.82
1.02
2.56
-0.69
1.5
0.41
3.11
-0.2
-1.51
1.82
0.7
1.04
1.86
-3.89

t
n.
treat.
-2.979
n.
36
contr.
24
-9.525

t
n.
treat.
-1.387
n.
contr.
36
88
ATT estimation with the Radius

BootstrappedMatching
method
t
n.
treat.
-1.02
n.
contr.
33
88
t
-3.178
ATT estimation
method
t
n.
-1.047
treat.
n.
33
credito
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
contr.
91
estimacion del PSM en Azuay

credito
credito formal
0.276
0.316
0.144
0.165
0.480
0.548
0.165
0.081
-0.119
-0.109
0.115
0.132
t
-2.979
-1.387
-3.178
-3.178
-0.123
-1.432
-1.568
-1.279
-0.283
-0.675
-0.501
-0.372
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
Pseudo R2
Log likelihood
LR chi2(17)
Prob > chi2
0.242
-0.014
0.154
0.055
0.303
0.046
-0.365
0.160
0.117
0.081
0.113
-0.736
0.227
-84.135
49.500
0.000
0.304
-0.217
0.183
0.051
0.380
-0.028
-0.247
0.218
0.088
0.139
0.268
-0.929
0.277
-62.793
48.020
0.000
credinf Freq. Percent

0
1
=
=
=
=
=
=
-86.803813
-64.526735
-62.900838
-62.794277
-62.793367
-62.793367
P>z
[95% Conf.
0.048
0.227
0
0.563
0.411
0.308
0.01
0.488
0.133
0.685
0.002
0.844
0.13
0.069
0.486
0.297
0.062
0
Interval]
0.0030271 0.6298004
-0.1030619 0.4337001
0.2648805 0.8315684
-0.1937008
0.355992
-0.3692493 0.1508992
-0.1218809 0.3865871
0.0712516 0.5374968
-0.8312884 0.3966864
-0.0559417 0.4225396
-0.197182 0.3000039
0.1409222 0.6200381
-0.3078273
0.251802
-0.5660982 0.0729693
-0.0173166 0.4530847
-0.159484
0.335253
-0.1223231 0.4010354
-0.0138552 0.5489877
-1.396362 -0.4612057
130
16
Total
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
146
0:00
1:00
2:00
3:00
4:00
5:00
6:00
7:00
8:00
9:00
10:00
11:00
12:00
13:00
14:00
15:00
16:00
17:00
18:00
Probit regressNumber of ob
LR chi2(17) =
Prob > chi2 =
Log likelihoo Pseudo R2
credinf
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
0.1854297
0.0632259
0.3589051
0.2445677
-0.1671261
0.0651543
0.1360201
0.2279654
-0.1268622
0.2798766
-0.6045435
0.0837865
ATT
Std. Err.
77.492
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
-0.123
-0.5994284
0.0545816
0.2693338
-0.0638491
-0.1217791
-1.874259
ATT estimation with Nearest Neighbor

ATT
Std. Err.
t
n.
-74.048
51.72
treat.
-1.432
16
ATT
Std. Err.
-88.37
ATT estimation with the Kernel

56.372
-1.568
n.
treat.
16
ATT estimation with the Radius

n.
treat.
16
ATT
Std. Err.
-73.705
57.617
ATT estimation
method
t
-1.279
n.
treat.
16
en Azuay
credito informal
0.185
0.063
0.359
0.245
-0.167
0.065
0.037
0.196
0.000
0.157
0.294
0.295
0.048
0.227
0.000
0.563
0.411
0.308
0.374
0.686
0.060
0.152
0.295
0.649
0.136
0.228
-0.127
0.280
-0.605
0.084
-0.599
0.055
0.269
-0.064
-0.122
-1.874
0.220
-39.352
22.230
0.176
0.020
0.959
0.149
0.620
0.006
0.698
0.010
0.136
0.282
0.484
0.341
0.000
0.010
0.488
0.133
0.685
0.002 .
0.844
0.130
0.069
0.486
0.297
0.062
0.000
0.326
0.600
0.406
0.104
0.624
0.027
0.753
0.100
0.715
0.513
0.000
Cum.
89.04
10.96
89.04
100
100
log
log
log
log
log
log
log
log
log
log
log
log
log
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
=
=
=
=
=
=
=
=
=
=
=
=
=
-50.465669
-40.738824
-39.531179
-39.364221
-39.354508
-39.352792
-39.352249
-39.352072
-39.352014
-39.351994
-39.351987
-39.351985
-39.351984
-39.351984
-39.351984
-39.351984
-39.351984
-39.351984
-39.351984
146
22.23
0.1761
0.2202
Std. Err.
0.2084388
0.1561952
0.1905994
0.1705955
0.1597052
0.1432298
0.1386132
0.4341228
0.1526633
0.1720152
.
P>z
0.89
0.4
1.88
1.43
-1.05
0.45
0.98
0.53
-0.83
1.63
.
0.1709503
0.374
0.686
0.06
0.152
0.295
0.649
0.326
0.6
0.406
0.104
.
0.49
[95% Conf.
-0.2231028
-0.242911
-0.0146628
-0.0897933
-0.4801426
-0.215571
-0.1356567
-0.6228997
-0.4260767
-0.057267
Interval]
0.5939623
0.3693628
0.732473
0.5789287
0.1458904
0.3458796
0.4076969
1.078831
0.1723524
0.6170202
.
.
0.624 -0.2512699 0.4188429
0.270623
0.1737856
0.1636897
0.1746201
0.1859835
0.3772671
-2.21
0.31
1.65
-0.37
-0.65
-4.97
0.027
-1.12984 -0.0690171
0.753 -0.2860319 0.3951951
0.1
-0.051492 0.5901597
0.715 -0.4060983 0.2784001
0.513 -0.4863001 0.2427418
0
-2.613689
-1.134829
ith Nearest Neighbor
ndard errors
n.
contr.
ATT
11
Std. Err.
-28.214
99.756
-0.283
ith the Kernel

ndard errors
n.
contr.
ATT
87
Std. Err.
-41.117
60.91
-0.675
ith the Radius

ndard errors
n.
contr.
87
ATT
-30.799
Std. Err.
61.488
-0.501
ndard errors
n.
contr.
ATT
87
Std. Err.
-24.272
65.266
t
-0.372
total
credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
135
57.69
57.69
1|
99
42.31
100.00
------------+----------------------------------Total |
234
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
credito
-159.41618
-131.28341
-130.52805
-130.52547
-130.52547
Number of obs =
234
LR chi2(16)
=
57.78
Prob > chi2
=
0.0000
Pseudo R2
=
0.1812
Coef.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
ocomercio
otransalmco
omanufactura
oaosfun
oempleados
ocpropia
oempleadop
_cons
Std. Err.
0.2537561
-0.1573643
0.1346301
-0.1424129
0.1266921
-0.0473999
0.1901855
-0.0096237
0.0229708
0.0887325
0.3520774
0.2021825
-0.1319165
0.2902842
-0.1648663
-0.1628513
-0.2376136
0.0909302
0.0916981
0.0912236
0.0904019
0.0877522
0.0912783
0.0889861
0.0871809
0.0894532
0.0895223
0.0922932
0.0911106
0.0908131
0.0895744
0.0921826
0.089961
0.0908076
z
2.79
-1.72
1.48
-1.58
1.44
-0.52
2.14
-0.11
0.26
0.99
3.81
2.22
-1.45
3.24
-1.79
-1.81
-2.62

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------99
52
65.874
76.563
0.860


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------99
125
13.265
64.655
0.205
-------------------------------------------------------

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------16
15
52.282
219.560
0.238

tratados
vecino mas c
kernel
radius
vecino mas c
kernel
controles
99
99
16
79
79
ATT
52
125
15
43
121
65.874
13.265
52.282
23.618
-45.958
radius
vecino mas c
kernel
radius
16
20
20
7
18
9
64
25
30.087
-37.854
-2.112
176.645
formal
credf |
Freq.
Percent
Cum.
------------+----------------------------------0|
135
63.08
63.08
1|
79
36.92
100.00
------------+----------------------------------Total |
214
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
0.1812
P>z
[95% Conf.
0.005
0.086
0.14
0.115
0.149
0.604
0.033
0.912
0.797
0.322
0
0.026
0.146
0.001
0.074
0.07
0.009
Interval]
0.0755362 0.4319759
-0.3370892 0.0223607
-0.0441648 0.3134249
-0.3195974 0.0347715
-0.045299 0.2986833
-0.226302 0.1315022
0.0157759
0.364595
-0.180495 0.1612477
-0.1523543 0.1982959
-0.086728 0.2641931
0.1711861 0.5329687
0.0236091
0.380756
-0.309907
0.046074
0.1147215 0.4658468
-0.345541 0.0158083
-0.3391715
0.013469
-0.4155933 -0.0596339
credf
Coef.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
ocomercio
otransalmco
omanufactura
oempleados
ocpropia
oempleadop
_cons
0.2156083
-0.1249038
0.033238
-0.1002227
0.1504094
-0.0607229
0.2600719
-0.038797
0.1031696
0.2028127
0.391434
0.3483873
0.2274978
-0.128509
-0.1051085
-0.4360463
-140.92039
-114.37524
-113.41888
-113.40974
-113.40973
Number of
LR chi2(15)
=
Prob > chi2
=
Pseud

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------79
43
23.618
105.683
0.223


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------79
121
-45.958
67.977
-0.676
---------------------------------------------------------

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------16
18
30.087
150.985
0.199

Std. Err
t
76.563
64.655
219.56
105.683
67.977
0.86
0.205
0.238
0.223
0.676
150.985
99.086
84.496
147.47
0.199
-0.382
-0.025
1.198
q.
Percent
Cum.
-------------------------5
63.08
63.08
36.92
100.00
-------------------------4
100.00
propensity score
ikelihood
ikelihood
ikelihood
ikelihood
ikelihood
=
=
=
=
=
113.40973
-140.92039
-114.37524
-113.41888
-113.40974
-113.40973
Number of obs =
214
LR chi2(15)
=
55.02
Prob > chi2
=
0.0000
Pseudo R2
=
0.1952
Std. Err.
0.0975131
0.096924
0.0981233
0.0971316
0.0899682
0.0970145
0.0950439
0.0939118
0.0964978
0.0978211
0.0954253
0.1048261
0.0952721
0.0998005
0.0973088
0.1004286
P>z
2.21
-1.29
0.34
-1.03
1.67
-0.63
2.74
-0.41
1.07
2.07
4.1
3.32
2.39
-1.29
-1.08
-4.34
[95% Conf.
0.027
0.198
0.735
0.302
0.095
0.531
0.006
0.68
0.285
0.038
0
0.001
0.017
0.198
0.28
0
Interval]
0.0244861 0.4067305
-0.3148713 0.0650637
-0.1590802 0.2255562
-0.2905972 0.0901518
-0.025925 0.3267438
-0.2508679 0.1294221
0.0737892 0.4463545
-0.2228607 0.1452667
-0.0859627 0.2923019
0.0110868 0.3945386
0.2044038 0.5784641
0.1429319 0.5538426
0.0407679 0.4142276
-0.3241145 0.0670964
-0.2958303 0.0856133
-0.6328827 -0.2392099
ndard errors
--------------------------------.
ATT Std. Err.
--------------------------------23.618
105.683
0.223

r matches

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------45.958
67.977
-0.676
---------------------------------

ndard errors
--------------------------------.
ATT Std. Err.
--------------------------------30.087
150.985
0.199

credin |
Freq.
Percent
Cum.
------------+----------------------------------0|
135
87.10
87.10
1|
20
12.90
100.00
------------+----------------------------------Total |
155
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
Probit regression
credin
Coef.
oaosesc
oedadjh
ohorastrab
ocasado
osoltero
ozona
onegruc
osexo
oviviendap~a
ocomercio
otransalmco
omanufactura
oempleados
ocpropia
oempleadop
_cons
0.446292
-0.4537946
0.6865051
-0.3835298
0.2065439
-0.0596486
-0.1410314
0.227243
-0.1764917
-0.2739114
0.3303402
-0.1928889
0.5203217
-0.3351064
-0.5184416
-1.974772
-59.604153
-38.703826
-34.63904
-33.888388
-33.856878
-33.856802
Number of obs =
155
LR chi2(15)
=
51.49
Prob > chi2
=
0.0000
Pseudo R2
=
0.4320
Std. Err.
0.2024821
0.2338981
0.2190604
0.1875618
0.1772543
0.2007
0.1829923
0.1872033
0.1846607
0.1890534
0.1474961
0.1759186
0.1677661
0.1951321
0.1934078
0.2980846
P>z
2.2
-1.94
3.13
-2.04
1.17
-0.3
-0.77
1.21
-0.96
-1.45
2.24
-1.1
3.1
-1.72
-2.68
-6.62
0.028
0.052
0.002
0.041
0.244
0.766
0.441
0.225
0.339
0.147
0.025
0.273
0.002
0.086
0.007
0

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------20
-37.854
99.086
-0.382

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------20
64
-2.112
84.496
-0.025
---------------------------------------------------------

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------2
104.332
76.068
1.372

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
---------------------------------------------------------
25
176.645
147.470
1.198

[95% Conf.
Interval]
0.0494343 0.8431497
-0.9122265 0.0046373
0.2571545
1.115856
-0.7511441 -0.0159154
-0.1408681 0.5539559
-0.4530133 0.3337161
-0.4996897
0.217627
-0.1396687 0.5941546
-0.5384199 0.1854366
-0.6444492 0.0966264
0.0412532 0.6194272
-0.5376831 0.1519052
0.1915062 0.8491372
-0.7175584 0.0473455
-0.897514 -0.1393692
-2.559007
-1.390537
total
credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
138
57.26
57.26
1|
103
42.74
100.00
------------+----------------------------------Total |
241
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
credito
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
0.0006535
-0.1437271
0.2607004
0.1601351
-0.1330647
0.0960036
0.215911
-0.1198786
0.2144448
0.0969246
0.3058473
0.163567
-0.136607
0.3008078
-0.0447597
0.0370544
0.1441492
-0.1117567
-164.49797
-136.15694
-135.44124
-135.43937
-135.43937
Number of obs =
241
LR chi2(17)
=
58.12
Prob > chi2
=
0.0000
Pseudo R2
=
0.1767
Std. Err.
0.0865279
0.0902648
0.0924632
0.0903407
0.0887602
0.087411
0.087901
0.2801478
0.0876852
0.0879404
0.090195
0.0894792
0.0896989
0.0885504
0.0892908
0.0881984
0.0887447
0.259067
P>z
0.01
-1.59
2.82
1.77
-1.5
1.1
2.46
-0.43
2.45
1.1
3.39
1.83
-1.52
3.4
-0.5
0.42
1.62
-0.43
0.994
0.111
0.005
0.076
0.134
0.272
0.014
0.669
0.014
0.27
0.001
0.068
0.128
0.001
0.616
0.674
0.104
0.666

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------103
49
-64.443
147.399
-0.437

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------103
131
8.300
111.932
0.074

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------26
29
0.029
250.641
0.000

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------70
108
-109.862
103.354
-1.063

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------103
131
-58.697
106.475
-0.551
---------------------------------------------------------
estimaciones de imp
credito
credito
formal
credito
informal
vecino mas c
kernel
radius
estratificado
vecino mas c
kernel
radius
estratificado
vecino mas c
kernel
radius
estratificado
conformacion del grupo de tratamiento y grupo de control en Pichincha

cedito
frecuencia
porcentaje cum
0
138
57.26
57.26
credito
1
103
42.74
100
0
138
62.73
62.73
credito formal
1
82
37.27
100
0
138
86.79
86.79
credito informal
1
21
13.21
100

credito produ0.7382427, 0.96389024
credito produ0.03089109, 0.9486783
credito produc0.00646165, 0.82751782
FORMAL
credfor |
Freq.
Percent
Cum.
------------+----------------------------------0|
138
62.73
62.73
1|
82
37.27
100.00
------------+----------------------------------Total |
220
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
0.1767
[95% Conf.
-0.1689381
-0.3206429
0.0794758
-0.0169295
-0.3070314
-0.0753189
0.0436282
-0.6689582
0.0425851
-0.0754355
0.1290685
-0.0118092
-0.3124136
0.1272522
-0.2197665
-0.1358112
-0.0297873
-0.6195186
Interval]
0.1702451
0.0331888
0.4419249
0.3371997
0.0409021
0.267326
0.3881938
0.4292011
0.3863046
0.2692846
0.4826262
0.3389431
0.0391996
0.4743634
0.1302471
0.20992
0.3180856
0.3960053
credfor
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
-0.0322318
-0.1003061
0.2387012
0.0597983
-0.1091317
0.1134578
0.2270258
-0.2061799
0.2917916
0.2210726
0.3720109
0.3274494
-0.1224351
0.2614345
-0.0961143
0.1042157
0.160124
-0.2532622
-145.28607
-115.68373
-114.39608
-114.38177
-114.38177
Number of
LR chi2(17)
=
Prob > chi2
=
Pseud

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------82
39
-123.901
125.630
-0.986


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------82
127
-62.755
104.910
-0.598
---------------------------------------------------------

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------16
18
-60.781
323.833
-0.188


--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------60
89
-130.298
90.840
-1.434

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------82
estimaciones de impacto en Pichincha

tratados
controles
ATT
Std.
103
49
-64.443
103
131
-37.188
70
108
-109.862
103
131
-58.697
82
39
-123.901
82
127
-62.755
60
89
-130.298
82
127
-37.188
21
14
23.139
21
105
-2323.000
8
48
110.539
15
111
144.096
a de soporte comun
382427, 0.96389024
3089109, 0.9486783
0646165, 0.82751782
Err
t
147.399
121.414
103.345
106.475
125.630
104.910
90.840
121.414
187.520
148.770
160.258
101.200
127
-0.074
-0.306
-1.063
-0.551
-0.986
-0.598
-1.434
-0.306
0.123
-0.016
0.690
1.424
-37.188
121.414
-0.306
eq.
Percent
Cum.
-------------------------8
62.73
62.73
37.27
100.00
-------------------------0
100.00
propensity score
ikelihood
ikelihood
ikelihood
ikelihood
ikelihood
=
=
=
=
=
114.38177
-145.28607
-115.68373
-114.39608
-114.38177
-114.38177
Number of obs =
220
LR chi2(17)
=
61.81
Prob > chi2
=
0.0000
Pseudo R2
=
0.2127
Std. Err.
0.0941076
0.0965679
0.0998732
0.0977209
0.0965509
0.0909812
0.0943901
0.2965648
0.0947042
0.0974018
0.095277
0.1046352
0.0956778
0.0962971
0.1011527
0.0961758
0.0985674
0.2733445
P>z
-0.34
-1.04
2.39
0.61
-1.13
1.25
2.41
-0.7
3.08
2.27
3.9
3.13
-1.28
2.71
-0.95
1.08
1.62
-0.93
[95% Conf.
0.732
0.299
0.017
0.541
0.258
0.212
0.016
0.487
0.002
0.023
0
0.002
0.201
0.007
0.342
0.279
0.104
0.354
-0.2166794
-0.2895757
0.0429534
-0.1317311
-0.2983681
-0.064862
0.0420246
-0.7874362
0.1061748
0.0301686
0.1852713
0.1223681
-0.3099601
0.0726956
-0.2943699
-0.0842853
-0.0330646
-0.7890075
Interval]
0.1522157
0.0889636
0.434449
0.2513277
0.0801047
0.2917777
0.4120269
0.3750764
0.4774084
0.4119767
0.5587504
0.5325307
0.06509
0.4501734
0.1021413
0.2927168
0.3533125
0.2824831
ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------123.901
125.630
-0.986

r matches

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------62.755
104.910
-0.598
---------------------------------

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------60.781
323.833
-0.188

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------130.298
90.840
-1.434
ith the Stratification method

ndard errors
--------------------------------.
ATT Std. Err.
---------------------------------37.188
121.414
-0.306
estimacion del PSM en Pichincha

credito
credito formalcredito informal
osexo
0.001
-0.032
0.195
oedadjh
-0.144
-0.100
-0.472
oaosesc
0.261
0.239
0.413
ohorastrab
0.160
0.060
0.571
ocasado
-0.133
-0.109
-0.236
osoltero
0.096
0.113
0.167
opatrono
0.216
0.227
0.188
zona
-0.120
-0.206
0.224
onegruc
0.214
0.292
-0.051
ocomercio
0.097
0.221
-0.266
otransporte
0.306
0.372
0.179
omanufactura
0.164
0.327
-0.209
oaosfun
-0.137
-0.122
-0.147
oempleados
0.301
0.261
0.370
oambulante
-0.045
-0.096
0.052
ovivpropia
0.037
0.104
-0.037
otelef
0.144
0.160
0.085
_cons
-0.112
-0.253
-1.838
Pseudo R2
0.177
0.213
0.329
Log likelihood
-135.439
-114.382
-41.625
LR chi2(17)
58.120
61.810
40.870
Prob > chi2
0.000
0.000
0.001
0.994
0.111
0.005
0.076
0.134
0.272
0.014
0.669
0.014
0.270
0.001
0.068
0.128
0.001
0.616
0.674
0.104
0.666
0.732
0.299
0.017
0.541
0.258
0.212
0.016
0.487
0.002
0.023
0.000
0.002
0.201
0.007
0.342
0.279
0.104
0.354
INFORMAL
credinf |
Freq.
Percent
Cum.
------------+----------------------------------0|
138
86.79
86.79
1|
21
13.21
100.00
------------+----------------------------------Total |
159
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
Probit regression

credinf
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
0.1948136
-0.472197
0.4128594
0.5709186
-0.2357629
0.1667511
0.1881542
0.2240606
-0.0508356
-0.2664762
0.1794478
-0.2088458
-0.1474194
0.369519
0.0524538
-0.0365199
0.0848237
-1.838094
-62.059788
-44.281685
-41.928001
-41.630879
-41.624662
-41.624659
Number of obs =
159
LR chi2(17)
=
40.87
Prob > chi2
=
0.0010
Pseudo R2
=
0.3293
Std. Err.
0.1675358
0.2186324
0.1966743
0.1942068
0.1633362
0.1632965
0.1338943
0.6445002
0.1632417
0.1693244
0.1302825
0.1629786
0.1986061
0.1387191
0.1564169
0.1662776
0.1523348
0.6261453
P>z
1.16
-2.16
2.1
2.94
-1.44
1.02
1.41
0.35
-0.31
-1.57
1.38
-1.28
-0.74
2.66
0.34
-0.22
0.56
-2.94
0.245
0.031
0.036
0.003
0.149
0.307
0.16
0.728
0.755
0.116
0.168
0.2
0.458
0.008
0.737
0.826
0.578
0.003

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------21
14
23.139
187.520
0.123

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------21
105
-2.323
148.770
-0.016

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------5
59.565
72.604
0.820

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------8
48
110.539
160.258
0.690

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------15
0.245
0.031
0.036
0.003
0.149
0.307
0.160
0.728
0.755
0.116
0.168
0.200
0.458
0.008
0.737
0.826
0.578
0.003
111
144.096
101.200
1.424
0.3293
[95% Conf.
Interval]
-0.1335506 0.5231777
-0.9007086 -0.0436853
0.0273849 0.7983339
0.1902803 0.9515569
-0.555896 0.0843701
-0.1533042 0.4868064
-0.0742738 0.4505822
-1.039137
1.487258
-0.3707834 0.2691123
-0.5983458 0.0653934
-0.0759013 0.4347969
-0.5282779 0.1105863
-0.5366803 0.2418415
0.0976346 0.6414034
-0.2541177 0.3590253
-0.3624181 0.2893783
-0.2137471 0.3833944
-3.065317 -0.6108722

credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
238
79.60
79.60
1|
61
20.40
100.00
------------+----------------------------------Total |
299
100.00

Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
Probit regression
credito
Coef.
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
-0.0024817
-0.2273368
0.1673011
0.130876
-0.1006203
0.0544128
0.171125
0.1277573
-0.0053122
0.2386829
0.1259524
0.0926901
-0.1068944
0.2838183
0.0107091
0.041146
0.0738729
-1.052202
-151.2689
-132.56631
-131.92935
-131.92521
-131.92521
Number of obs =
299
LR chi2(17)
=
38.69
Prob > chi2
=
0.0020
Pseudo R2
=
0.1279
Std. Err.
0.0898555
0.0946019
0.0930292
0.092911
0.0896005
0.0854527
0.0792971
0.2468852
0.0875521
0.0881907
0.0762745
0.09624
0.0985661
0.0807943
0.0904259
0.0872392
0.0905934
0.2150968
P>z
-0.03
-2.4
1.8
1.41
-1.12
0.64
2.16
0.52
-0.06
2.71
1.65
0.96
-1.08
3.51
0.12
0.47
0.82
-4.89
0.978
0.016
0.072
0.159
0.261
0.524
0.031
0.605
0.952
0.007
0.099
0.335
0.278
0
0.906
0.637
0.415
0

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------61
45
-0.816
3.627
-0.225

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------61
206
0.420
2.575
0.163

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------29
39
1.156
4.812
0.240

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------55
201
1.186
2.688
0.441

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------61
206
0.574
2.680
0.214
---------------------------------------------------------
nformacion del grupo de tratamiento y grupo de control bajo y sobre el umbral

cedito
frecuencia
porcentaje cum
No
238 79.60
79.60
accedieron a credito, bajo
Si umbral
61 20.40
100.00
No
435 63.78
63.78
ccedieron a credito, sobre
Si umbral
247 36.22
100.00
estimaciones de impacto bajo y sobre el umbral

tratados
controles
ATT
Std. Err
vecino mas c
61
45 -0.816
3627.000
61
206 0.420
2,575
accedieron a kernel
radius
29
39
1.156
4.812
credito, bajo
umbral
estratificado
61
206 0.574
2.680
247
145
-43.051
77.777
accedieron a vecino mas c
kernel
247
419
-82.516
57.181
credito,
radius
156
196
-100.358
78.665
sobre
umbral
estratificado
247
419
-61.915
65.230

accedieron a 0.5354143, 0.7528245
accedieron a 0.6499959, 0.82820474

credito |
Freq.
Percent
Cum.
------------+----------------------------------0|
435
63.78
63.78
1|
247
36.22
100.00
------------+----------------------------------Total |
682
100.00

Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
log
log
log
log
likelihood
likelihood
likelihood
likelihood
=
=
=
=
-446.47578
-396.51334
-395.62993
-395.62878
Probit regression
Number of obs =
6
LR chi2(17)
=
101.69
Prob > chi2
=
0.0000
Pseudo R2
=
0.1279
credito
[95% Conf.
Coef.
Std. Err.
Interval]
-0.1785952 0.1736319
-0.4127532 -0.0419204
-0.0150329
0.349635
-0.0512262 0.3129783
-0.2762342 0.0749935
-0.1130715
0.221897
0.0157054 0.3265445
-0.3561289 0.6116434
-0.1769111 0.1662868
0.0658322 0.4115335
-0.0235429 0.2754478
-0.0959369
0.281317
-0.3000804 0.0862916
0.1254644 0.4421722
-0.1665224 0.1879406
-0.1298397 0.2121316
-0.1036869 0.2514327
-1.473784 -0.6306196
osexo
oedadjh
oaosesc
ohorastrab
ocasado
osoltero
opatrono
zona
onegruc
ocomercio
otransporte
omanufactura
oaosfun
oempleados
oambulante
ovivpropia
otelef
_cons
-0.024353
-0.1000079
0.21811
0.2546187
-0.0124949
0.055584
0.1497323
-0.1523383
0.1507948
0.1157748
0.1745163
0.1506412
-0.1760703
0.1260035
-0.0635818
0.0684844
0.048264
-0.2677571
0.0517658
0.0525817
0.0528615
0.0532195
0.052169
0.0506012
0.0506765
0.1794645
0.0505156
0.0517779
0.0508866
0.053626
0.0540557
0.0508919
0.0527487
0.0522622
0.0515935
0.1697132

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------247
145
-43.051
77.777
-0.554

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------247
419
-82.516
57.181
-1.443

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------156
196
-100.358
78.665
-1.276

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------243
412
-153.950
46.073
-3.341

--------------------------------------------------------n. treat. n. contr.
ATT Std. Err.
--------------------------------------------------------247
419
-61.915
65.230
-0.949
---------------------------------------------------------
ral
t
-0.225
0.163
0.240
0.214
-0.554
-1,443
-1,276
-0.949
estimacion del PSM en bajo y sobre el umbral

bajo umbral sobre umbral
osexo
-0.0025
-0.0244
0.9780
oedadjh
-0.2273
-0.1000
0.0160
oaosesc
0.1673
0.2181
0.0720
ohorastrab
0.1309
0.2546
0.1590
ocasado
-0.1006
-0.0125
0.2610
osoltero
0.0544
0.0556
0.5240
opatrono
0.1711
0.1497
0.0310
zona
0.1278
-0.1523
0.6050
onegruc
-0.0053
0.1508
0.9520
ocomercio
0.2387
0.1158
0.0070
otransporte
0.1260
0.1745
0.0990
omanufactura
0.0927
0.1506
0.3350
oaosfun
-0.1069
-0.1761
0.2780
oempleados
0.2838
0.1260
0.0000
oambulante
0.0107
-0.0636
0.9060
ovivpropia
0.0411
0.0685
0.6370
otelef
0.0739
0.0483
0.4150
_cons
-1.0522
-0.2678
0.0000
Pseudo R2
0.1279
0.1139
Log likelihood -131.9252
-395.6288
LR chi2(17) 38.69
101.69
Prob > chi2 0.0020
0.0000
Number of obs =
682
chi2(17)
=
101.69
b > chi2
=
0.0000
Pseudo R2
=
0.1139
P>z
-0.47
-1.9
4.13
4.78
-0.24
1.1
2.95
-0.85
2.99
2.24
3.43
2.81
-3.26
2.48
-1.21
1.31
0.94
-1.58
[95% Conf.
0.638
0.057
0
0
0.811
0.272
0.003
0.396
0.003
0.025
0.001
0.005
0.001
0.013
0.228
0.19
0.35
0.115
Interval]
-0.1258121
0.077106
-0.2030661 0.0030502
0.1145034 0.3217166
0.1503103 0.3589271
-0.1147443 0.0897545
-0.0435926 0.1547606
0.0504083 0.2490563
-0.5040823 0.1994057
0.051786 0.2498035
0.014292 0.2172576
0.0747804 0.2742523
0.0455361 0.2557463
-0.2820175 -0.0701231
0.0262573 0.2257497
-0.1669673 0.0398037
-0.0339476 0.1709164
-0.0528574 0.1493854
-0.6003889 0.0648746
bor Matching method
Err.
.777
-0.554
controls refer to actual
tching method
Err.
.181
-1.443
tching method
Err.
8.665
-1.276
tching method
Err.
6.073
-3.341
on method
Err.
.230
-0.949
0.6380
0.0570
0.0000
0.0000
0.8110
0.2720
0.0030
0.3960
0.0030
0.0250
0.0010
0.0050
0.0010
0.0130
0.2280
0.1900
0.3500
0.1150
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
Logistic regression
pobre
sexo
edadjh
blanco
indigena
negro
casado
soltero
patrono
agricultor
aosesc
nhogar
horastrab
zona
credito
negruc
aosfun
empleados
comercio
manufactura
transporte
vivpropia
_cons
Coef.
-0.3796185
-0.001085
-0.0182579
-0.231598
-0.1410972
0.100787
0.5338973
-1.833721
1.075103
-0.0453289
0.0694314
-0.0461546
-0.4313235
-0.3554864
-1.250894
-0.0363701
-0.2601423
-0.3095139
0.4085949
-1.38666
0.217266
1.389973
dy/dx
sexo
edadjh
blanco
-0.0646149
-0.0001847
-0.0031077
-603.18673
-491.76537
-478.21209
-477.52126
-477.51951
-477.51951
Number of obs =
LR chi2(21)
=
251.33
Prob > chi2
=
0.0000
Pseudo R2
=
Std. Err.
0.2093068
0.0065475
0.3011924
0.3938969
0.4319237
0.1865511
0.4192578
0.419756
0.3784956
0.0212852
0.0402071
0.0293951
0.2561347
0.1961066
0.289077
0.0081047
0.1021262
0.1947853
0.2417498
0.3632608
0.1800166
0.5683628
0.2083
P>z
-1.81
-0.17
-0.06
-0.59
-0.33
0.54
1.27
-4.37
2.84
-2.13
1.73
-1.57
-1.68
-1.81
-4.33
-4.49
-2.55
-1.59
1.69
-3.82
1.21
2.45
Delta-method
Std. Err.
z
0.0357951
0.0011148
0.0512672
981
0.07
0.868
0.952
0.557
0.744
0.589
0.203
0
0.005
0.033
0.084
0.116
0.092
0.07
0
0
0.011
0.112
0.091
0
0.227
0.014
P>z
-1.81
-0.17
-0.06
0.071
0.868
0.952
indigena
negro
casado
soltero
patrono
agricultor
aosesc
nhogar
horastrab
zona
credito
negruc
aosfun
empleados
comercio
manufactura
transporte
vivpropia
-0.0394203
-0.0240162
0.017155
0.0908747
-0.3121179
0.1829934
-0.0077154
0.0118179
-0.007856
-0.0734156
-0.0605074
-0.2129149
-0.0061906
-0.0442789
-0.0526824
0.069547
-0.2360236
0.0369809
0.0670707
0.0735247
0.031731
0.0713431
0.0659755
0.0647428
0.0036177
0.0068472
0.0050173
0.0437383
0.0334489
0.0466188
0.0013719
0.0170885
0.0332668
0.0411417
0.0612657
0.0306194
-0.59
-0.33
0.54
1.27
-4.73
2.83
-2.13
1.73
-1.57
-1.68
-1.81
-4.57
-4.51
-2.59
-1.58
1.69
-3.85
1.21
0.557
0.744
0.589
0.203
0
0.005
0.033
0.084
0.117
0.093
0.07
0
0
0.01
0.113
0.091
0
0.227
formal
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
Logistic regression
0.2083
pobre
[95% Conf.
-0.7898522
-0.0139179
-0.6085841
-1.003622
-0.9876522
-0.2648464
-0.2878329
-2.656427
0.3332652
-0.087047
-0.0093731
-0.103768
-0.9333383
-0.7398484
-1.817475
-0.052255
-0.460306
-0.691286
-0.065226
-2.098638
-0.13556
0.2760026
Coef.
-0.134772
-0.0023696
-0.1035896
Number of obs =
LR chi2(21)
=
253.44
Prob > chi2
=
0.0000
Pseudo R2
=
Std. Err.
Interval]
0.0306153
0.0117478
0.5720683
0.5404257
0.7054578
0.4664204
1.355627
-1.011014
1.816941
-0.0036107
0.148236
0.0114587
0.0706913
0.0288755
-0.6843139
-0.0204851
-0.0599787
0.0722582
0.8824158
-0.6746816
0.570092
2.503944
sexo
edadjh
blanco
indigena
negro
casado
soltero
patrono
agricultor
aosesc
nhogar
horastrab
zona
credfor
negruc
aosfun
empleados
comercio
manufactura
transporte
vivpropia
_cons
-0.4075467
-0.0013129
0.0068033
-0.2179558
-0.1197637
0.1212973
0.5618269
-1.837934
1.07926
-0.0450035
0.0676979
-0.0471711
-0.4396245
-0.5661027
-1.194311
-0.03572
-0.261962
-0.316412
0.4026872
-1.362162
0.2262933
1.402201
dy/dx
[95% Conf.
-603.18673
-490.79299
-477.16381
-476.46995
-476.46817
-476.46817
0.2103754
0.0065668
0.3000491
0.3935964
0.435333
0.1871189
0.4195736
0.4188977
0.3813765
0.0213351
0.0402676
0.0292503
0.2577731
0.2486327
0.2907809
0.0080587
0.1021653
0.1931769
0.2413436
0.3632045
0.1803494
0.5695512
Delta-method
Std. Err.
Interval]
0.0055421
0.0020002
0.0973742
sexo
edadjh
blanco
indigena
-0.0692769
-0.0002232
0.0011565
-0.0370493
0.0359404
0.0011167
0.0510033
0.0669303
-0.1708766
-0.168122
-0.0450367
-0.0489552
-0.4414275
0.0560998
-0.0148059
-0.0016024
-0.0176897
-0.1591412
-0.1260661
-0.3042861
-0.0088795
-0.0777718
-0.1178841
-0.0110893
-0.3561022
-0.0230321
0.0920359
0.1200896
0.0793466
0.2307047
-0.1828084
0.3098871
-0.000625
0.0252382
0.0019777
0.0123099
0.0050513
-0.1215438
-0.0035016
-0.0107859
0.0125192
0.1501833
-0.115945
0.0969939
negro
casado
soltero
patrono
agricultor
aosesc
nhogar
horastrab
zona
credfor
negruc
aosfun
empleados
comercio
manufactura
transporte
vivpropia
-0.0203581
0.0206188
0.0955023
-0.3124218
0.1834583
-0.0076499
0.0115076
-0.0080184
-0.0747297
-0.0962291
-0.2030152
-0.0060719
-0.0445297
-0.0537854
0.0684509
-0.2315475
0.0384665
0.0740071
0.0317843
0.0712897
0.0658108
0.0651713
0.0036223
0.0068484
0.0049867
0.0439795
0.0422782
0.0469647
0.0013629
0.0170724
0.0329513
0.0410218
0.0611993
0.0306388
603.18673
490.79299
477.16381
476.46995
476.46817
476.46817
Iteration
Iteration
Iteration
Iteration
Iteration
Iteration
Number of obs =
LR chi2(21)
=
253.44
Prob > chi2
=
0.0000
Pseudo R2
=
z
981
ta-method
z
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
-603.1
-493.6
-479.8
-479.1
-479.1
-479.1
Logistic regression
0.2101
[95% Conf.
0.053
0.842
0.982
0.58
0.783
0.517
0.181
0
0.005
0.035
0.093
0.107
0.088
0.023
0
0
0.01
0.101
0.095
0
0.21
0.014
P>z
-1.93
-0.2
0.02
-0.55
log
log
log
log
log
log
LR
Pro
P>z
-1.94
-0.2
0.02
-0.55
-0.28
0.65
1.34
-4.39
2.83
-2.11
1.68
-1.61
-1.71
-2.28
-4.11
-4.43
-2.56
-1.64
1.67
-3.75
1.25
2.46
0:
1:
2:
3:
4:
5:
-0.8198749
-0.0141837
-0.5812822
-0.9893905
-0.9730008
-0.2454489
-0.2605222
-2.658959
0.3317759
-0.0868195
-0.0112252
-0.1045007
-0.9448505
-1.053414
-1.764231
-0.0515148
-0.4622022
-0.6950319
-0.0703376
-2.07403
-0.1271851
0.2859009
[95% Conf.
0.054
0.842
0.982
0.58
-0.1397188
-0.0024118
-0.0988083
-0.1682303

Interval]
0.0047816
0.0115578
0.5948888
0.553479
0.7334734
0.4880435
1.384176
-1.01691
1.826744
-0.0031874
0.146621
0.0101585
0.0656015
-0.0787915
-0.6243907
-0.0199252
-0.0617218
0.0622078
0.875712
-0.6502946
0.5797717
2.5185
pobre
sexo
edadjh
blanco
indigena
negro
casado
soltero
patrono
agricultor
aosesc
nhogar
horastrab
zona
credinf
negruc
aosfun
empleados
comercio
manufactura
transporte
vivpropia
_cons
Interval]
0.0011649
0.0019654
0.1011212
0.0941318
sexo
edadjh
blanco
indigena
negro
-0.28
0.65
1.34
-4.75
2.82
-2.11
1.68
-1.61
-1.7
-2.28
-4.32
-4.46
-2.61
-1.63
1.67
-3.78
1.26
0.783
0.517
0.18
0
0.005
0.035
0.093
0.108
0.089
0.023
0
0
0.009
0.103
0.095
0
0.209
-0.1654093
-0.0416772
-0.0442229
-0.4414086
0.0557248
-0.0147496
-0.0019151
-0.0177921
-0.160928
-0.1790928
-0.2950644
-0.0087432
-0.077991
-0.1183688
-0.0119503
-0.351496
-0.0215844
0.1246932
0.0829147
0.2352275
-0.1834349
0.3111918
-0.0005503
0.0249304
0.0017553
0.0114686
-0.0133654
-0.110966
-0.0034006
-0.0110683
0.0107981
0.1488521
-0.111599
0.0985175
casado
soltero
patrono
agricultor
aosesc
nhogar
horastrab
zona
credinf
negruc
aosfun
empleados
comercio
manufactura
transporte
vivpropia
ation
ation
ation
ation
ation
ation
0:
1:
2:
3:
4:
5:
log
log
log
log
log
log
likelihood
likelihood
likelihood
likelihood
likelihood
likelihood
=
=
=
=
=
=
istic regression
likelihood = -479.17961
Coef.
-0.3592594
-0.0006414
0.0176621
-0.1854473
-0.1571354
0.1053552
0.5026246
-1.900788
1.060185
-0.0467273
0.0696516
-0.052319
-0.4422904
0.0250299
-1.260859
-0.0347585
-0.2848966
-0.3777704
0.3604516
-1.468586
0.2045453
1.390316
dy/dx
-0.0611749
-0.0001092
0.0030075
-0.0315781
-0.0267571
-603.18673
-493.69582
-479.89717
-479.18135
-479.17961
-479.17961
Number of obs =
LR chi2(21)
=
248.01
Prob > chi2
=
0.0000
Pseudo R2
=
Std. Err.
0.2085624
0.0065352
0.3010855
0.3933109
0.430309
0.1862707
0.4182038
0.4196638
0.376085
0.0212647
0.0400591
0.0292464
0.2556086
0.2597481
0.2883057
0.0080589
0.1018479
0.1921347
0.2406114
0.3595458
0.1793645
0.5673261
0.2056
P>z
-1.72
-0.1
0.06
-0.47
-0.37
0.57
1.2
-4.53
2.82
-2.2
1.74
-1.79
-1.73
0.1
-4.37
-4.31
-2.8
-1.97
1.5
-4.08
1.14
2.45
Delta-method
Std. Err.
z
0.0356793
0.001113
0.0512684
0.0669947
0.0732819
981
[95% Conf.
0.085
0.922
0.953
0.637
0.715
0.572
0.229
0
0.005
0.028
0.082
0.074
0.084
0.923
0
0
0.005
0.049
0.134
0
0.254
0.014
P>z
-1.71
-0.1
0.06
-0.47
-0.37
-0.7680342
-0.0134501
-0.5724545
-0.9563226
-1.000526
-0.2597287
-0.3170399
-2.723314
0.3230721
-0.0884054
-0.0088628
-0.1096409
-0.943274
-0.4840671
-1.825927
-0.0505537
-0.4845148
-0.7543476
-0.111138
-2.173283
-0.1470027
0.2783777
[95% Conf.
0.086
0.922
0.953
0.637
0.715
-0.131105
-0.0022906
-0.0974766
-0.1628853
-0.1703871
Interval]
0.0495154
0.0121673
0.6077788
0.585428
0.6862548
0.4704391
1.322289
-1.078262
1.797298
-0.0050492
0.148166
0.0050028
0.0586932
0.5341269
-0.69579
-0.0189633
-0.0852783
-0.0011933
0.8320413
-0.7638894
0.5560934
2.502255
Interval]
0.0087552
0.0020722
0.1034916
0.0997291
0.1168728
0.01794
0.0855872
-0.3236674
0.180529
-0.0079568
0.0118603
-0.0089089
-0.0753135
0.0042621
-0.2146998
-0.0059187
-0.0485124
-0.064327
0.0613779
-0.2500718
0.0348301
0.0316989
0.0711976
0.0657273
0.0643089
0.003617
0.0068252
0.0049972
0.0436476
0.0442318
0.0465057
0.0013644
0.0170095
0.03288
0.0409624
0.0607253
0.0305222
0.57
1.2
-4.92
2.81
-2.2
1.74
-1.78
-1.73
0.1
-4.62
-4.34
-2.85
-1.96
1.5
-4.12
1.14
0.571
0.229
0
0.005
0.028
0.082
0.075
0.084
0.923
0
0
0.004
0.05
0.134
0
0.254
-0.0441887
-0.0539575
-0.4524905
0.0544859
-0.015046
-0.0015169
-0.0187032
-0.1608611
-0.0824306
-0.3058493
-0.0085929
-0.0818503
-0.1287707
-0.018907
-0.3690913
-0.0249922
0.0800686
0.225132
-0.1948443
0.3065721
-0.0008675
0.0252375
0.0008854
0.0102342
0.0909548
-0.1235503
-0.0032445
-0.0151744
0.0001167
0.1416628
-0.1310523
0.0946525

Regresio MCO

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Regresio MCO

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Accedi a

credito formalcredito infrmal

. reg brecha credinf sexo edadjh aosesc horastrab

[95% Conf. Interval]

. reg brechaa credfor

[95% Conf. Interval]

jh aosesc horastrab casado soltero patrono zona blanco negro nhogar n

[95% Conf. Interval]

> porte omanufactura

sporte omanufactura oaosfun oempleados oambulante, robust

lanco negro nhogar negruc comercio transporte manufact

[95% Conf. Interval]

. reg brechaa cred

[95% Conf. Interval]

. reg brechaa credito osexo oedadjh oaosesc ohorastrab ocasado osolt

> ura aosfun emple

astrab ocasado osoltero opatrono ozona oblanco onegro onhogar onegruc

[95% Conf. Interval]

> ura aosfun empleados ambulante, robust

[95% Conf. Interval]

gro onhogar onegruc ocomercio otran

[95% Conf. Interval]

negruc comercio transporte manufact

Algorithm to estimate the propensity score

The treatment is credito

Estimation of the propensity score

Log likelihood = -529.12867

Note: the common support option has been selected

Description of the estimated propensity score

The final number of blocks is 7

Variable otlf is not balanced in block 6

CREDITO SIN ATIPICOS 958

Estimation of the propensity score

Log likelihood = -526.27297

ATT estimation with Nearest Neighbor Matching method

--------------------------------------------------------Note: the numbers of treated and controls refer to actual

ATT estimation with the Kernel Matching method

ATT estimation with the Radius Matching method

--------------------------------------------------------n. treat. n. contr.

--------------------------------------------------------Note: the numbers of treated and controls refer to actual

TT estimation with Nearest Neighbor Matching m

ATT Std. Err.

Note: the numbers of treated and controls refer

The program is searching for matches of each tr

ATT estimation with the Kernel Matching method

ATT Std. Err.

Note: Analytical standard errors cannot be comp

. attr brecha credito, pscore(pnt) radius(0.001) c

The program is searching fo

ATT estimation with the Radius Matching method

ATT Std. Err.

Note: the numbers of treated and controls refer

h Nearest Neighbor Matching method

ATT Std. Err.

s of treated and controls refer to actual

earching for matches of each treated unit.

th the Kernel Matching method

ATT Std. Err.

tandard errors cannot be computed. Use

to, pscore(pnt) radius(0.001) comsup

th the Radius Matching method

ATT Std. Err.

s of treated and controls refer to actual