Arbeitspapier

A Review of Commitment Savings Products in Development Countries

Many financial institutions in developing countries offer savings products. Yet, little has been done to assess systematically and quantitatively the relative merits of different product designs. This paper first examines different designs that provide incentives to clients to commit to save. Mechanisms are divided into deposit side mechanisms that help clients make regular deposits, and withdrawal-side mechanisms that help clients restrict the use of their funds except for well-planned uses or emergencies. Then, using results from a short web-based survey of microfinance instititutions, we describe different commitment savings products in use around the world.

Language
Englisch

Bibliographic citation
Series: ERD Working Paper Series ; No. 45

Classification
Wirtschaft
Subject
Sparen
Einlagengeschäft
Zahlungsverkehr
Entwicklungsländer

Event
Geistige Schöpfung
(who)
Ashraf, Nava
Gons, Nathalie
Karlan, Dean S.
Yin, Wesley
Event
Veröffentlichung
(who)
Asian Development Bank (ADB)
(where)
Manila
(when)
2003

Handle
Last update
10.03.2025, 11:43 AM CET

Data provider

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Object type

  • Arbeitspapier

Associated

  • Ashraf, Nava
  • Gons, Nathalie
  • Karlan, Dean S.
  • Yin, Wesley
  • Asian Development Bank (ADB)

Time of origin

  • 2003

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