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Field
Primary Outcomes (End Points)
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Before
Savings Behaviors:
• Maximum amount of unexpected cost that a respondent could cover using her own funds. We ask “suppose you needed money urgently, tomorrow or in a week, to pay for an expense (such as medical emergencies or school fees) that requires you to spend the following amounts...” For each amount (250, 500, 1000, 2000, 4000, or 8000 KSH), we inquire as to whether she could cover the cost in each of a variety of ways. [Emergency Expense Section: Every three weeks]
• Amount in all M-PESA accounts. [M-PESA administrative data: Weekly] For the "POST" specifications, we will choose the measure based on the auto-correlation of this measure across weeks. If auto-correlation is high, we will use the endline measure. If auto-correlation is low we will use both the average amount measured in weeks 10, 11, 12 and endline, and the maximum amount from measures in weeks 10, 11, 12 and endline. McKenzie (2012) suggests that autocorrelation is high where autocorrelation = .6 to .8 and that it is low when autocorrelation =.2 to .4.
• Total amount in all savings accounts. We ask “How much do you currently have in each of the following accounts (M-PESA, Other Mobile Banking, Formal Bank Account, other savings) in KSH?” [IndSavings Section: Weekly]
• Total amount saved for each goal. We ask “How much money are you setting aside for a specific goal? [SavingsGoals Section: Baseline/Endline]
• Total net deposits in: 1) M-PESA accounts and 2) overall savings.
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After
Savings Behaviors:
• Maximum amount of unexpected cost that a respondent could cover using her own funds. We ask “suppose you needed money urgently, tomorrow or in a week, to pay for an expense (such as medical emergencies or school fees) that requires you to spend the following amounts...” For each amount (250, 500, 1000, 2000, 4000, or 8000 KSH), we inquire as to whether she could cover the cost in each of a variety of ways.
• Amount in all M-PESA accounts.
• Total amount in all savings accounts. We ask “How much do you currently have in each of the following accounts (M-PESA, Other Mobile Banking, Formal Bank Account, other savings) in KSH?”
• Total amount saved for each goal. We ask “How much money are you setting aside for a specific goal?
• Total net deposits in: 1) M-PESA accounts and 2) overall savings.
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