Commitment or concealment? Impacts and use of a portable saving device: Evidence from a field experiment in urban India

B-Tier
Journal: Journal of Economic Behavior and Organization
Year: 2022
Volume: 193
Issue: C
Pages: 367-398

Authors (4)

Steinert, Janina Isabel (not in RePEc) Vasumati Satish, Rucha (not in RePEc) Stips, Felix (Luxembourg Institute of Socio-...) Vollmer, Sebastian (Georg-August-Universität Götti...)

Score contribution per author:

0.503 = (α=2.01 / 4 authors) × 1.0x B-tier

α: calibrated so average coauthorship-adjusted count equals average raw count

Abstract

To quantify the impact of a novel “soft” commitment intervention, we randomly allocate 1525 Indian slum dwellers to receive a zip purse and a lockbox (treatment) or a lockbox only (control). After six months, we document a 19 percent increase in total savings in the treatment arm. The effect is sustained in a sub-sample of participants we re-interview during the COVID-19 pandemic, twenty months after initial distribution of the devices. While temptation spending was not reduced, additional analyses suggest that the zip purse served as a hiding rather than a self-control device. Our results highlight the importance of considering the role of financial transfers to other household members in future saving promotion programs.

Technical Details

RePEc Handle
repec:eee:jeborg:v:193:y:2022:i:c:p:367-398
Journal Field
Theory
Author Count
4
Added to Database
2026-01-29