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Field
Intervention (Public)
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Before
This study aims to investigate the implementation of mobile salary payments (MSPs) in the Ministry of Education (MoE). Prior to assignment, all teachers in the study will receive a mobile phone.
1) Mobile Salary Payments (MSP): Funds will go directly from the central bank to the mobile network operator (MNO). The MNO will then transfer salaries directly to the teacher. The biometric registration of teachers should identify ghost workers and mobile salary payments should improve the payment experience.
2) Current Payment System (Control): In cities, teachers are paid via banks and in rural areas teachers are paid via trusted agents.
The essential steps of the current payment system are detailed below:
Step 1: The school principal reports teacher attendance to the district-level bursar (Motamed) on a monthly basis.
Step 2: The bursar and the district human resources officer aggregate attendance for all district schools and submit a wage bill to the National Treasury.
Step 3: The Treasury authorizes a payment for the national monthly wage bill to Da Afghanistan Bank.
Step 4: Da Afghanistan Bank transfers a payment for all wages to the central branch of New Kabul Bank.
Step 5: New Kabul Bank transfers funds to the branch nearest to each bursar, charging a transaction fee for the transfer.
Step 6: The bursar retrieves the funds from their nearest bank branch. Step 7: Teachers visit the bursar at the end of the month to retrieve their wages as cash.
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After
This study aims to investigate the implementation of mobile salary payments (MSPs) in the Ministry of Education (MoE).
1) Mobile Salary Payments (MSP): Funds will go directly from the central bank to the mobile network operator (MNO). The MNO will then transfer salaries directly to the teacher. The biometric registration of teachers should identify ghost workers and mobile salary payments should improve the payment experience.
2) Current Payment System (Control): In cities, teachers are paid via banks and in rural areas teachers are paid via trusted agents.
The essential steps of the current payment system are detailed below:
Step 1: The school principal reports teacher attendance to the district-level bursar (Motamed) on a monthly basis.
Step 2: The bursar and the district human resources officer aggregate attendance for all district schools and submit a wage bill to the National Treasury.
Step 3: The Treasury authorizes a payment for the national monthly wage bill to Da Afghanistan Bank.
Step 4: Da Afghanistan Bank transfers a payment for all wages to the central branch of New Kabul Bank.
Step 5: New Kabul Bank transfers funds to the branch nearest to each bursar, charging a transaction fee for the transfer.
Step 6: The bursar retrieves the funds from their nearest bank branch. Step 7: Teachers visit the bursar at the end of the month to retrieve their wages as cash.
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