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Slovakia: Microsavings (ongoing)

Can Deadlines and Reminders Help the Poor to Save?

Can commitment features of a saving product increase the savings? To answer this question, Julie Chytilová and Tomáš Želinský use experimental methods to study financial behavior of very poor clients of a micro-saving product in Eastern Slovakia. Randomly generated groups of clients either have or have not a monthly deadline on their saving deposits, and are or are not reminded to save. The study also allows to test whether these features of a saving product help especially those people who face self-discipline problems. The findings can be useful for designing suitable saving products for the poor.

Julie Chytilová / Charles University
Tomáš Želinský / Technical University of Košice and Charles University

where: Slovakia
sample size: 400-500 poor adults (mostly Roma)
when: June 2012 – December 2012

We would like to thank for supporting this project:

ETP SlovakiaGAUK

Related literature

- Ariely, D. & Wertenbroch, K. (2002). Procrastination, Deadlines, and Performance: Self-Control by Precommitment. Psychological Science. 

- Ashraf, N., Karlan, D. & Wesley, Y. (2006). Tying Odysseus to the mast: Evidence from a commitment savings product in the Philippines. The Quarterly Journal of Economics. 

- Karlan, D., Mullainathan, S. &Zinman, J. (2011). Getting to the Top of the Mind: How Reminders Increase Saving. Innovations for Poverty Action.


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