Jandoc, Karl Robert L.Libunao, Alyssa Marielle B.Oxina, Margarette Anne C.2024-09-252024-09-252018-05https://selib.upd.edu.ph/etdir/handle/123456789/425The study explores the effect of Panatawid Pamilyang Pilipino Program (4Ps) on the savings behavior of its household beneficiaries. Given that the 4Ps has already reached its maturity, we find it important to investigate the sustainability of the program by seeking the households’ savings behavior. Since income is one of the most important determinants of savings, the study answers the question: Does 4Ps encourage poor households to save more, given their higher disposable income from cash transfers, or is there a need for direct intervention aimed at improving the savings behavior of households? The sample used was divided into two: restricted and unrestricted. The unrestricted sample utilizes the complete Annual Poverty Indicators Survey (APIS) 2016 dataset while the restricted sample limits the dataset to households belonging to the bottom three income deciles, which makes the restricted sample more concentrated on the lower-income households. Using propensity score matching, the results show that actual savings is statistically insignificant for both samples used. One major finding, however, reveals that 4Ps beneficiaries are more likely to avail a loan compared to non-beneficiaries.enconditional cash transferpropensity score matchingsavings4PsThesis