Commentary for Ketubot 195:5

ה"ד אי דאכרוז אמאי לא עשתה ולא כלום אלא לאו דלא אכרוז ולעצמה הוא דלא עשתה ולא כלום הא לאחר מה שעשתה עשתה

If a public announcement had been made, why should her act be invalid? Rather there was no public announcement, and if she made [the assessment] on her own behalf, she has done nothing. But if she made it on behalf of another, her act is valid.

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