Secondary Outcomes (explanation)
Subjective Savings Measure: Since the administrative data does not cover the entire sample, and only captures one type of savings instrument (BRAC Bank account holdings), we will also ask a comprehensive set of savings questions to both migrant and recipient during the endline survey. As a secondary savings outcome, we will use the self-reported value of combined cash savings and bank balances (a stock measure) at the time of the endline survey. Within each sender-recipient pair, we will take the sum of this reported value for the migrant and recipient. Using this outcome, we can estimate treatment effects for the full matched sample of 1,556 matched pairs.
Long(er)-term Savings: Though active implementation and monitoring of the goal setting intervention will end after 4 months, we will continue to have access to the administrative data beyond this point. As such, we can also estimate effects on savings over a longer period to see if individuals sustain their savings behavior even after the initial goal deadline has passed. To do this, we will use the maximum weekly balance from each recipient's bank account, constructed analogously to our primary outcome, but over a period of 6 months from baseline rather than 4. As with our primary outcome, this long-term effected can only be estimated for the 1,017 pairs with verified BRAC Bank accounts.
Remittances: In addition to testing whether joint goal setting increases the portion of income that respondents allocate to savings, we will also estimate its effect on the total amount of remittances sent by migrants. For this secondary research question, we take use as an outcome the total amount of remittances sent by the migrant to the recipient over the 4-month intervention period, as reported by the migrant at endline. We will use sender---rather than recipient---reports, as these have been shown to be more accurate.