{"doc_desc":{"title":"GHA_2013-2014_FISP-EG_v01_M","idno":"DDI_GHA_2013-2014_FISP-EG_v01_M","producers":[{"name":"Development Economics Data Group","abbreviation":"DECDG","affiliation":"The World Bank","role":"Documentation of the DDI"}],"prod_date":"2019-01-10","version_statement":{"version":"Version 01 (January 2019)"}},"study_desc":{"title_statement":{"idno":"GHA_2013-2014_FISP-EG_v01_M","title":"Financial Inclusion and Savings Promotion in Eastern Ghana 2013-2014","sub_title":"Baseline and Endline Surveys","alt_title":"FISP-EG 2013-2014"},"authoring_entity":[{"name":"Niklas Buehren","affiliation":"World Bank"},{"name":"Markus Goldstein","affiliation":"World Bank"},{"name":"Leora Klapper","affiliation":"World Bank"},{"name":"Tricia Koroknay-Palicz","affiliation":"World Bank"},{"name":"Robert Osei","affiliation":"University of Ghana"},{"name":"Simone Schaner","affiliation":"Dartmouth College"}],"oth_id":[{"name":"Africa Region Gender Innovation Lab","affiliation":"World Bank","email":"","role":""},{"name":"Innovations for Poverty Action (IPA)","affiliation":"","email":"","role":""},{"name":"North Volta Rural Bank (NVRB)","affiliation":"","email":"","role":""}],"distribution_statement":{"contact":[{"name":"Microdata Library","affiliation":"World Bank","email":"","uri":"microdata.worldbank.org"}]},"series_statement":{"series_name":"Other Household Health Survey [hh\/hea]","series_info":"Baseline and Endline Survey Data"},"study_info":{"keywords":[{"keyword":"Ghana","vocab":"","uri":""},{"keyword":"Savings","vocab":"","uri":""},{"keyword":"Commitment Savings","vocab":"","uri":""},{"keyword":"Gender","vocab":"","uri":""},{"keyword":"Africa","vocab":"","uri":""},{"keyword":"Financial Inclusion","vocab":"","uri":""},{"keyword":"Personal Finance","vocab":"","uri":""}],"abstract":"Even though individuals throughout Africa employ numerous informal savings mechanisms, only a quarter of individuals in Sub-Saharan Africa have bank accounts, and these savers only keep a small proportion of their savings in these accounts. Yet banks could provide more secure and private storage of funds, and offer positive interest rates. The World Bank and North Volta Rural Bank jointly designed this study with the objective of testing the impact of new banking products and services designed to attract more (and lower income) customers, and to attract a higher percentage of individuals\u2019 savings. The new services tested as part of this study included a savings deposit collection service in which collectors visit customers regularly at home or work to collect savings deposits, and a separate service in which customers were given lockboxes. These were tested alone, and in combination. This study was designed to ensure the operational viability of the deposit collection and lockbox services for NVRB, and to make a preliminary assessment of the impacts of these services on customers and NVRB before further scaling-up these services within NVRB. \n\n192 individuals completed the baseline survey, and 174 of these individuals completed the endline survey. The study sample is comprised of both banked and unbanked individuals, and is half male and half female.","coll_dates":[{"start":"2013-08","end":"2014-03","cycle":" Baseline"},{"start":"2014","end":"2014","cycle":"Endline"}],"nation":[{"name":"Ghana","abbreviation":""}],"geog_coverage":"The study sample is comprised of individuals who at the time of the baseline survey lived or worked within one kilometer of North Volta Rural Bank's Nkwanta branch, which is located in the small town of Nkwanta. Nkwanta is the capital of Nkwanta South District, and is located in the Volta Region of Ghana.","analysis_unit":"Individuals","data_kind":"Sample survey data [ssd]","notes":"The baseline survey was designed to capture indicators on the following:\n- Demographics\n- Financial inclusion\n- Savings \n- Past experience with and interest in lockboxes and deposit collection \n\nThe endline survey was designed to capture indicators on the following: \n- Demographics, including household roster\n- Financial inclusion\n- Savings\n- Debt\n- Income, assets, expenditures, and financial shocks\n- Intra-household decision-making\n- Views on the lockboxes and deposit collection services \n\nThe study used the baseline and endline data jointly with administrative data from NVRB to gain insight into the deposit collection and lockbox services viability for NVRB."},"method":{"data_collection":{"sampling_procedure":"A total of 192 individuals were enrolled in this study. So that the study might be able to observe whether the services had different impacts based on the type of customer that was participating, different types of individuals were recruited to participate in the study, as follows: \n\u00b7   Individuals who already had an individual savings account with NVRB: 96.\n\u00b7   Individuals who did not have a bank account with NVRB, but who did have a bank account with another bank: 48\n\u00b7   Individuals who did not have a bank account at any bank: 48\n\nWithin each of the three groups, half were female, and half were male. \n\nAll study participants also met the following eligibility criteria: \n\u00b7    Live or work within a one kilometer radius of the NVRB Nkwanta branch. \n\u00b7    Earning an income and self-employed in non-agricultural activities. (Excluded occupations included salaried and wage workers, pensioners, students, apprentices, seasonal income earners such as all kinds of farming, pastors, traditional rulers, natural resource extraction such as fishermen and hunters,\n      road construction,  afforestation, waste management, and laborers.)\n\u00b7    I nterested in receiving the services being offered, and willing to pay the collection service fee. \n\nAs part of the study, study participants were randomly assigned to the following six treatment arms: \n\u00b7   A1: No deposit collection & No lockbox (32 individuals) - pure control group\n\u00b7   A2: No deposit collection & Lockbox (32 individuals)\n\u00b7   B1: Daily deposit collection & No lockbox (32 individuals)\n\u00b7   B2: Daily deposit collection & Lockbox (32 individuals)\n\u00b7   C1: Weekly deposit collection & No lockbox (32 individuals)\n\u00b7   C2: Weekly deposit collection & Lockbox (32 individuals)\nThe randomization was stratified by type of customer, so that the different types of customer would be evenly spread across the following six arms.","coll_mode":"Face-to-face [f2f]","research_instrument":"Baseline Survey Modules\n\n1 - Eligibility assessment\n2 - Enrollment form\n3-  Baseline survey\n\nEndline Survey Modules\n\nA - Survey information\nB - Savings\nC - Debt\nD - Expenditures\nE - Income\nF - Demographics; intra-household decision-making; financial shocks; housing quality\nG - Household roster\nH - Views on the lockboxes and deposit collection services","coll_situation":"Timeline:  Individuals were enrolled in this study between August 2013 and March 2014. On the same day that an individual was enrolled in the study, he or she also completed the baseline survey. \nLockboxes were distributed in early May 2014. The deposit collection service was provided from May 5 2014 through the end of December 2014. \nEndline data was collected in November 2014. \n\nData was collected from individuals using a household survey administered to the study participants. The survey was written and administered in English.  Survey responses were recorded on paper, and were entered using double-data entry and reconciliation.\n\nRelated studies:\nEvaluating the impact of commitment savings accounts linked to mobile money \nEvaluating the impact of formal savings on salaried workers spending and borrowing in Eastern Ghana","weight":"None"}},"data_access":{"dataset_use":{"cit_req":"Use of the dataset must be acknowledged using a citation which would include:\n- the Identification of the Primary Investigator\n- the title of the survey (including country, acronym and year of implementation)\n- the survey reference number\n- the source and date of download\n\nN. Buehren et al.,  Financial Inclusion and Savings Promotion in Eastern Ghana 2013-2014 - Baseline and Endline Surveys. Washington, DC: World Bank. Ref: GHA_2013-2014_FISP-EG_v01_M. Accessed at [url] on [date]","disclaimer":"The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses."}}},"schematype":"survey","tags":[{"tag":"DOI"}]}