Commitments to Save - Innovations for Poverty Action

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The intervention • Treatments involve facilitating opening of and deposit into savings accounts – Help with account opening procedures – Direct deposit of cash crop sales into individual farmer accounts • Study participants randomly allocated to control group or one of the treatments • Sample: tobacco farmers who are current loan customers of OIBM • Collaborating institution: Opportunity International Bank of Malawi (OIBM) – Exploit existing direct funds transfer system from central auction system 20
Two types of savings treatments 1. Offer of ordinary savings account only 2. Offer of ordinary plus commitment accounts 21
Page 1 and 2: Commitments to Save: A Field Experi
Page 3 and 4: Raising Malawian agricultural produ
Page 5 and 6: Raising farm output with rural fina
Page 7 and 8: Vicious circles in input or credit
Page 9 and 10: Increased incomes via savings facil
Page 11 and 12: Why might farmers have trouble savi
Page 13 and 14: Why might farmers have trouble savi
Page 15 and 16: The agricultural cycle in Malawi Ra
Page 17 and 18: Key questions • What is the impac
Page 19: Related past work • Ashraf, Karla
Page 23 and 24: Project timing Baseline + offer of
Page 25 and 26: 40,000 35,000 30,000 25,000 20,000
Page 27 and 28: 40,000 35,000 30,000 25,000 20,000
Page 29 and 30: • Compared to control group, comm
Page 31 and 32: • As a result, weekly food expend
Page 33 and 34: • Commitment group withdraws more
Page 35 and 36: Balance revelation treatments • O
Page 37 and 38: Effect of public and private raffle
Page 39 and 40: External validity: some caveats •
Page 41 and 42: Extra slides 41
Page 43 and 44: Measuring impacts • Outcomes in O
Page 45: Regression results: outcomes Impact

Commitments to Save - Innovations for Poverty Action

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