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Publication Detail
NEUDC 2005-01: Door-to-Door Deposits as a Commitment to Savings? Evidence from a Field Experiment in the Philippines

Informal lending and savings institutions exist around the world, and often include regular pickup of cash. Some banks have adopted similar services in order to expand access to banking services for the poor. Using a randomized control trial, we evaluate the impact of offering a deposit-collection service for micro-savers of a rural bank in the Philippines. In this service, a bank employee comes to the individualís home once per month to pick up a savings deposit. The individual is charged a nominal fee equal to the transport cost. Of 137 individuals offered the service in the treatment group, 38 agreed to sign-up. Those offered the service saved 188 pesos more (which equates to about a 25% increase in savings stock) and were slightly less likely to borrow from the bank.

PinoyME Foundation
Authors Keywords
Karlan, Dean; Ashraf, Nava; Yin, Wesley; microfinance; savings;
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Published in 2005 and available in the NEUDC or can be downloaded as full text Downloaded 698 times since November 25, 2011