Language:
English
Pages:
1 Online-Ressource (circa 40 Seiten)
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Series Statement:
Policy research working paper 8633
Series Statement:
World Bank E-Library Archive
Series Statement:
Policy research working paper
Parallel Title:
Erscheint auch als Buehren, Niklas The Limits of Commitment: Who Benefits From Illiquid Savings Products?
Keywords:
Graue Literatur
Abstract:
Working 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
DOI:
10.1596/1813-9450-8633
URL:
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