Publication:
The Limits of Commitment: Who Benefits from Illiquid Savings Products?

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dc.contributor.authorBuehren, Niklas
dc.contributor.authorGoldstein, Markus
dc.contributor.authorKlapper, Leora
dc.contributor.authorKoroknay-Palicz, Tricia
dc.contributor.authorSchaner, Simone
dc.date.accessioned2018-11-01T21:25:48Z
dc.date.available2018-11-01T21:25:48Z
dc.date.issued2018-10
dc.description.abstractWorking 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.en
dc.identifierhttp://documents.worldbank.org/curated/en/145051540998851212/The-Limits-of-Commitment-Who-Benefits-from-Illiquid-Savings-Products
dc.identifier.doi10.1596/1813-9450-8633
dc.identifier.urihttps://hdl.handle.net/10986/30654
dc.languageEnglish
dc.publisherWorld Bank, Washington, DC
dc.relation.ispartofseriesPolicy Research Working Paper;No. 8633
dc.rightsCC BY 3.0 IGO
dc.rights.holderWorld Bank
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/igo
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 Commitmenten
dc.title.subtitleWho Benefits from Illiquid Savings Products?en
dc.typeWorking Paperen
dc.typeDocument de travailfr
dc.typeDocumento de trabajoes
dspace.entity.typePublication
okr.crossref.titleThe Limits of Commitment: Who Benefits From Illiquid Savings Products?
okr.date.disclosure2018-10-31
okr.doctypePublications & Research
okr.doctypePublications & Research::Policy Research Working Paper
okr.docurlhttp://documents.worldbank.org/curated/en/145051540998851212/The-Limits-of-Commitment-Who-Benefits-from-Illiquid-Savings-Products
okr.guid145051540998851212
okr.identifier.doi10.1596/1813-9450-8633
okr.identifier.externaldocumentum090224b08653acd6_1_0
okr.identifier.internaldocumentum30566369
okr.identifier.reportWPS8633
okr.importedtrueen
okr.language.supporteden
okr.pdfurlhttp://documents.worldbank.org/curated/en/145051540998851212/pdf/WPS8633.pdfen
okr.region.administrativeAfrica
okr.region.countryGhana
okr.statistics.combined1446
okr.statistics.dr145051540998851212
okr.statistics.drstats1028
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicFinance and Financial Sector Development::Banks & Banking Reform
okr.topicFinance and Financial Sector Development::Contractual Savings
okr.topicGender::Gender and Economics
okr.topicGender::Gender and Poverty
okr.unitGender Innovation Lab, Africa Region
relation.isAuthorOfPublication442e6ddc-d567-5db8-8fea-62f71781ad6a
relation.isAuthorOfPublicatione0a9502f-8574-53b5-bf27-732f5a6026e2
relation.isAuthorOfPublication.latestForDiscovery442e6ddc-d567-5db8-8fea-62f71781ad6a
relation.isSeriesOfPublication26e071dc-b0bf-409c-b982-df2970295c87
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