The Limits of Commitment

Vista sencilla de ítem
dc.creatorBuehren, Niklas
dc.creatorGoldstein, Markus
dc.creatorKlapper, Leora
dc.creatorKoroknay-Palicz, Tricia
dc.creatorSchaner, Simone
dc.date2018-11-01T21:25:48Z
dc.date2018-11-01T21:25:48Z
dc.date2018-10
dc.date.accessioned2026-07-01T00:42:44Z
dc.descriptionWorking with a private bank in Ghana, this study examines the impacts of a commitment savings product designed to help clients taking repeated overdrafts break their debt cycles. Overall, the product significantly increased savings with the bank without increasing overdrafts. However, after accounting for other sources of savings, the study finds that clients with above-median baseline overdraft histories do not accrue new savings during the commitment period. Rather, they draw down other savings to offset the committed amount and take on new debt. In contrast, individuals with below-median overdraft histories significantly increase savings during and after the commitment period.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/145051540998851212/The-Limits-of-Commitment-Who-Benefits-from-Illiquid-Savings-Products
dc.identifierhttps://hdl.handle.net/10986/30654
dc.identifier10.1596/1813-9450-8633
dc.identifier.urihttp://hdl.handle.net/123456789/409668
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relationPolicy Research Working Paper;No. 8633
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo
dc.rightsWorld Bank
dc.subjectAFRICA GENDER POLICY
dc.subjectGENDER INNOVATION LAB
dc.subjectLIQUIDITY
dc.subjectBANKING
dc.subjectSAVINGS BEHAVIOR
dc.subjectBANKING SERVICES
dc.subjectWOMEN AND AGRICULTURE
dc.titleThe Limits of Commitment
dc.titleWho Benefits from Illiquid Savings Products?
dc.typeWorking Paper
dc.typeDocument de travail
dc.typeDocumento de trabajo

Archivos

Colecciones

AgroKnow