Commitments to Save : A Field Experiment in Rural Malawi

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dc.creatorBrune, Lasse
dc.creatorGiné, Xavier
dc.creatorGoldberg, Jessica
dc.creatorYang, Dean
dc.date2012-03-19T18:03:47Z
dc.date2012-03-19T18:03:47Z
dc.date2011-08-01
dc.date.accessioned2026-07-01T00:51:51Z
dc.descriptionThis paper reports the results of a field experiment that randomly assigned smallholder cash crop farmers formal savings accounts. In collaboration with a microfinance institution in Malawi, the authors tested two primary treatments, offering either: 1) "ordinary" accounts, or 2) both ordinary and "commitment" accounts. Commitment accounts allowed customers to restrict access to their own funds until a future date of their choosing. A control group was not offered any account but was tracked alongside the treatment groups. Only the commitment treatment had statistically significant effects on subsequent outcomes. The effects were positive and large on deposits and withdrawals immediately prior to the next planting season, agricultural input use in that planting, crop sales from the subsequent harvest, and household expenditures in the period after harvest. Across the set of key outcomes, the commitment savings treatment had larger effects than the ordinary savings treatment. Additional evidence suggests that the positive impacts of commitment derive from keeping funds from being shared with one's social network.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://www-wds.worldbank.org/external/default/main?menuPK=64187510&pagePK=64193027&piPK=64187937&theSitePK=523679&menuPK=64187510&searchMenuPK=64187283&siteName=WDS&entityID=000158349_20110802154804
dc.identifierhttps://hdl.handle.net/10986/3510
dc.identifierhttps://doi.org/10.1596/1813-9450-5748
dc.identifier.urihttp://hdl.handle.net/123456789/412129
dc.languageEnglish
dc.relationPolicy Research working paper ; no. WPS 5748,Impact Evaluation series ; no. IE 50
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS TO FUNDS
dc.subjectACCOUNT HOLDERS
dc.subjectAGRICULTURAL INPUTS
dc.subjectAGRICULTURE
dc.subjectAUCTION
dc.subjectAUCTION FLOOR
dc.subjectBANK ACCOUNT
dc.subjectBANK ACCOUNTS
dc.subjectBANK OPERATIONS
dc.subjectBENEFICIARIES
dc.subjectBUDGETING
dc.subjectCASH-CROP
dc.subjectCOST ANALYSIS
dc.subjectCREDIT ACCESS
dc.subjectCREDIT ASSOCIATIONS
dc.subjectCREDIT COOPERATIVES
dc.subjectCREDIT PRODUCTS
dc.subjectCROP VALUE
dc.subjectDEBT
dc.subjectDEPOSIT
dc.subjectDEPOSIT ACCOUNT
dc.subjectDEPOSIT ACCOUNTS
dc.subjectDEPOSIT MOBILIZATION
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPING COUNTRY
dc.subjectDEVELOPMENT ECONOMICS
dc.subjectDEVELOPMENT POLICY
dc.subjectDISCOUNT RATE
dc.subjectDURABLE
dc.subjectDURABLE ASSETS
dc.subjectECONOMETRICS
dc.subjectECONOMIC DEVELOPMENT
dc.subjectECONOMIC OUTCOMES
dc.subjectECONOMIC RESEARCH
dc.subjectECONOMICS RESEARCH
dc.subjectEXPENDITURE
dc.subjectEXPENDITURES
dc.subjectFARM OUTPUT
dc.subjectFARMERS
dc.subjectFEMALE EMPOWERMENT
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL PRODUCTS
dc.subjectFOREIGN EXCHANGE
dc.subjectFUTURE RESEARCH
dc.subjectFUTURE STUDIES
dc.subjectGOVERNMENT BUDGET
dc.subjectGOVERNMENT BUDGETS
dc.subjectGROUP LOAN
dc.subjectHOLDING
dc.subjectHOLDINGS
dc.subjectHOUSEHOLD COMPOSITION
dc.subjectHOUSEHOLD SIZE
dc.subjectHOUSEHOLD SURVEY
dc.subjectILLITERACY
dc.subjectINCENTIVES TO SAVE
dc.subjectINCOME
dc.subjectINCOME LEVELS
dc.subjectINCOMES
dc.subjectINDIVIDUAL ACCOUNTS
dc.subjectINFORMAL INSURANCE
dc.subjectINSURANCE
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectINVESTMENT BEHAVIOR
dc.subjectLACK OF KNOWLEDGE
dc.subjectLANDOWNERS
dc.subjectLENDER
dc.subjectLENDERS
dc.subjectLIABILITY
dc.subjectLOAN
dc.subjectLOAN RECOVERY
dc.subjectLOAN REPAYMENT
dc.subjectLOW-INCOME COUNTRIES
dc.subjectMARGINAL UTILITY
dc.subjectMARGINAL UTILITY OF CONSUMPTION
dc.subjectMICROCREDIT
dc.subjectMICROCREDIT PROGRAMS
dc.subjectMICROENTERPRISE CREDIT
dc.subjectMICROENTERPRISES
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectOPTIMAL CONTRACTS
dc.subjectOUTPUT
dc.subjectPAYMENT SYSTEM
dc.subjectPOLITICAL ECONOMY
dc.subjectPOOR
dc.subjectPORTFOLIO
dc.subjectPORTFOLIOS
dc.subjectPOSITIVE EFFECTS
dc.subjectPREMATURE WITHDRAWALS
dc.subjectPRIVATE SECTOR DEVELOPMENT
dc.subjectPUBLIC POLICY
dc.subjectRATES OF RETURN
dc.subjectRESOURCE ALLOCATION
dc.subjectRETURNS
dc.subjectROSCAS
dc.subjectRURAL
dc.subjectRURAL BANKING
dc.subjectRURAL BANKS
dc.subjectRURAL COMMUNITIES
dc.subjectRURAL HOUSEHOLDS
dc.subjectSAVINGS
dc.subjectSAVINGS ACCOUNT
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BEHAVIOR
dc.subjectSAVINGS PROGRAMS
dc.subjectSMALL BUSINESSES
dc.subjectSMALLHOLDER FARMERS
dc.subjectSOCIAL NETWORKS
dc.subjectSTOCKS
dc.subjectSURCHARGES
dc.subjectSUSTAINABLE FINANCE
dc.subjectSUSU
dc.subjectTIME DEPOSIT
dc.subjectTRANSACTION
dc.subjectTRANSACTION COSTS
dc.subjectTRANSACTIONS COSTS
dc.subjectTRANSPORT
dc.subjectVILLAGE ECONOMIES
dc.subjectWITHDRAWAL
dc.titleCommitments to Save : A Field Experiment in Rural Malawi

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