Abstract: A fastener assembly is provided that includes a female insert having a head and a sleeve which extends from the head. The head of the female insert abuts a first panel, with the sleeve extending through a first preformed hole in the first panel. The distal end of the sleeve thus protrudes from the first preformed hole of the first panel and is then crimped around a washer to mechanically connect the female insert to the first panel. The female insert may also include one or more adhesive receptacles to further adhere the female insert to the first panel. A second panel with a second preformed hole is aligned with the first panel, and a male fastener having a base and a shank that extends from the base is inserted through the second preformed hole and into the female insert to connect the first panel and the second panel.