High transaction and contracting costs are often thought to create credit and savings market failures in developing … improved "technology" for managing informal, collaborative village-based savings groups. Such groups allow, in theory, for more … efficient and lower-cost loans and informal savings, and in practice have been scaled up by international non …

, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings … which savings are available for cash withdrawal but intended for educational expenses. The weaker commitment generates … increased savings in the program accounts and when combined with a parent outreach program, higher expenditures on educational …

, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings … which savings are available for cash withdrawal but intended for educational expenses. The weaker commitment generates … increased savings in the program accounts and when combined with a parent outreach program, higher expenditures on educational …

women. Here, using a randomized controlled trial, we examine whether access to an individually-held commitment savings …

We designed a commitment savings product for a Philippine bank and implemented it using a randomized control … methodology. The savings product was intended for individuals who want to commit now to restrict access to their savings, and who … for commitment, were indeed significantly more likely to open the commitment savings account. After twelve months, average …

women. Here, using a randomized controlled trial, we examine whether access to an individually-held commitment savings …

women. Here, using a randomized controlled trial, we examine whether access to an individually-held commitment savings …

Commitment devices for savings could benefit those with self-control as well as familial or spousal control issues. We … examine the impact of a commitment savings product in the Philippines on household decision making power and savings attitudes … savings balances, we find that the 81% increase in savings after one year did not crowd-out savings held outside of the …

Commitment devices for savings could benefit those with self-control as well as familial or spousal control issues. We … find evidence to support both motivations. We examine the impact of a commitment savings product in the Philippines on … household decision making power and self-perception of savings behavior, as well as actual savings. The product leads to more …