{"type":"script","doc_desc":{"producers":[{"name":"Reproducibility WBG","abbr":"DECDI","affiliation":"World Bank - Development Impact Department","role":"Verification and preparation of metadata"}],"prod_date":"2026-11-09","version":"1"},"project_desc":{"authoring_entity":[{"name":"Simone Schaner","affiliation":"University of Southern California","email":"schaner@usc.edu"},{"name":"Niklas Buehren","affiliation":"World Bank","email":"nbuehren@worldbank.org"},{"name":"Leora Klapper","affiliation":"World Bank","email":"lklapper@worldbank.org"},{"name":"Tricia Koroknay-Palicz","affiliation":"World Bank","email":"tgonwa@worldbank.org"},{"name":"Markus Goldstein","affiliation":"Center for Global Development","email":"mgoldstein@cgdev.org"}],"title_statement":{"title":"Reproducibility package for The Limits of Commitment: Who Benefits from Illiquid Savings Products?","idno":"PP_GHA_2026_741"},"data_statement":"The reproducibility package relies on 2 types of data: Open and Forthcoming data. For the source, access type, file location, and citation of each dataset, refer to the Datasets section and the README file.\n\n","software":[{"name":"Stata","version":"19.5 MP"}],"scripts":[{"title":"Reproducibility package for The Limits of Commitment: Who Benefits from Illiquid Savings Products?","date":"2026-11","notes":"Computational reproducibility verified by Development Impact (DECDI) Analytics team, World Bank.","instructions":"See README in reproducibility package.","file_name":"PP_GHA_2026_741","zip_package":"PP_GHA_2026_741.zip"}],"repository_uri":[{"name":"Reproducible Research Repository (World Bank)","uri":"https:\/\/reproducibility.worldbank.org"}],"production_date":"2026-11-09","abstract":"We study the impacts of a commitment savings product for salaried workers in Ghana, many of whom regularly take high-interest debt via account overdrafts. The product successfully increased savings at the partner bank during and after the commitment period. However, survey data shows that treatment also increased the likelihood individuals took on new debt, leaving total savings less debt unchanged. These average effects mask notably different impacts by baseline overdraft status. Individuals with a significant overdraft history did not accrue new savings during the commitment period, drew down other savings, and took on new debt. In contrast, those without a significant overdraft history saved more during and after the commitment period. For this group, the product crowded in savings outside the partner bank, suggesting commitment helped individuals learn to save or build better saving habits.","geographic_units":[{"name":"Ghana","code":"GHA"}],"output":[{"type":"Journal Article","description":"Journal Articles","title":"The Limits of Commitment: Who Benefits from Illiquid Savings Products?"}],"language":[{"name":"English","code":"EN"}],"technology_requirements":"Run time ~ 6 minutes","disclaimer":"The materials in the reproducibility packages are distributed as they were prepared by the staff of the International Bank for Reconstruction and Development\/The World Bank. The findings, interpretations, and conclusions expressed in this event do not necessarily reflect the views of the World Bank, the Executive Directors of the World Bank, or the governments they represent. The World Bank does not guarantee the accuracy of the materials included in the reproducibility package.","license":[{"name":"MIT License","uri":"https:\/\/opensource.org\/license\/mit"},{"name":"World Bank IGO Rider","uri":"https:\/\/github.com\/worldbank\/metadata-editor\/blob\/main\/WB-IGO-RIDER.md"}],"contacts":[{"name":"Simone Schaner","affiliation":"University of Southern California","email":"schaner@usc.edu"},{"name":"Reproducibility World Bank Group","affiliation":"World Bank ","email":"reproducibility@worldbank.org"}],"datasets":[{"name":" Survey data and Participant lists","note":"The dataset comprises two components: (1) Survey data and participant lists: six waves of de-identified raw CAI survey exports (baseline 2013 and 5 endlines through 2015) and participant list files (treatment assignment, gender, overdrafter stratification flag, SSP enrollment\/contributions). Survey data were collected through six rounds of in-person interviews conducted by trained enumerators from Innovations for Poverty Action Ghana. Respondents' self-reported bank balances were supplemented with Salary Susu Plus balances taken from administrative records. The study protocol was approved by IRBs at the University of Ghana, Legon (CPN 009\/13-14) and Dartmouth College (CPHS# 24177). Direct identifiers have been redacted; the identified originals are not publicly available. File locations: data\/raw_deidentified\/. ","access_type":"Data is forthcoming in the World Bank Microdata Library","license":"Custom License","citation":"Niklas, B et al. 2026.  Survey, data and Participant Lists [dataset]. Forthcoming to the Microdata Library. Accessed October 2026."},{"name":"Monthly Lending and Savings Interest Rates","note":"Monthly lending and savings interest-rate series from the Bank of Ghana. Accessed December 8, 2025. File location: data\/raw\/Interest Rates_20251208-225227.xlsx.","access_type":"Data is publicly available and included in the reproducibility package.","license":"Open data","uri":"https:\/\/www.bog.gov.gh\/economic-data\/interest-rates","citation":"Bank of Ghana. 2025. Monthly Lending and Savings Interest Rates [dataset]. https:\/\/www.bog.gov.gh\/economic-data\/interest-rates. Accessed December 8, 2025."},{"name":"Administrative Bank Data","note":"Constructed datasets derived from proprietary transaction records of the partner bank (North Volta Rural Bank, NVRB). The administrative data were extracted directly from NVRB's transaction records for all accounts held by study participants. The underlying transaction-level records are not released to protect participant privacy; only constructed aggregates are included. Comprises: FINAL_EXTRACT II_2016_MONTHLY.dta (person-by-month panel of account aggregates), admin_survey_extract.dta (person-by-survey-date extract), and derived merge inputs. Construction scripts are included for transparency (code\/confidential\/) but cannot run without the restricted inputs. Contains no direct identifiers (study IDs only).  The raw administrative data are restricted, but the intermediate constructed data will be made available through the World Bank Microdata Library. Once released, users will be able to reproduce the findings in this paper. File locations: data\/constructed\/base\/","access_type":"Data is forthcoming in the World Bank Microdata Library","license":"Custom License","citation":"North Volta Rural Bank, Ghana. 2026. Administrative Bank Data [dataset]. Proprietary transaction records extracted for study participants. Forthcoming to the Microdata Library. Accessed October 2026."}],"reproduction_instructions":"To reproduce the findings in this paper, a replicator must:\n1. Open the `_master` do, update the directory on line 22 and run the script\n\nSince the data is Forthcoming to the Microdata Library, the package includes the outputs produced by the authors, which can be used to review the results presented in the paper.","technology_environment":"Paper exhibits were reproduced on a computer with the following specifications:\n\u2022 OS: Windows 11 Enterprise\n\u2022 Processor: Intel(R) Xeon(R) Gold 5218 CPU @ 2.30GHz (2.30 GHz) (2 processors)\n\u2022 Memory available: 16 GB"},"datacite":{"creators":[{"givenName":"Simone","familyName":"Schaner","nameType":"Personal","affiliation":[{"name":"University of Southern California","affiliationIdentifier":"https:\/\/ror.org\/03taz7m60","affiliationIdentifierScheme":"ROR","schemeUri":"https:\/\/ror.org"}]},{"givenName":"Niklas","familyName":"Buehren","nameType":"Personal","affiliation":[{"name":"World Bank ","affiliationIdentifier":"https:\/\/ror.org\/00ae7jd04","affiliationIdentifierScheme":"ROR","schemeUri":"https:\/\/ror.org"}]},{"givenName":"Leora","familyName":"Klapper","nameType":"Personal","affiliation":[{"name":"World Bank ","affiliationIdentifier":"https:\/\/ror.org\/00ae7jd04","affiliationIdentifierScheme":"ROR","schemeUri":"https:\/\/ror.org"}]},{"givenName":"Tricia","familyName":"Koroknay-Palicz","nameType":"Personal","affiliation":[{"name":"World Bank ","affiliationIdentifier":"https:\/\/ror.org\/00ae7jd04","affiliationIdentifierScheme":"ROR","schemeUri":"https:\/\/ror.org"}]},{"givenName":"Markus","familyName":"Goldstein","nameType":"Personal","affiliation":[{"name":"Center for Global Development","affiliationIdentifier":"https:\/\/ror.org\/0068yvd12","affiliationIdentifierScheme":"ROR","schemeUri":"https:\/\/ror.org"}]}],"titles":[{"lang":"en","title":"Reproducibility package for The Limits of Commitment: Who Benefits from Illiquid Savings Products?"},{"title":"PP_GHA_2026_741","titleType":"Other"}],"publisher":"World Bank","publicationYear":"2026","types":{"resourceType":"Reproducibility package","resourceTypeGeneral":"Other"},"url":"https:\/\/reproducibility.worldbank.org\/index.php\/catalog\/study\/PP_GHA_2026_741","language":"en"},"tags":[{"tag":"DOI"},{"tag":"Forthcoming Data"},{"tag":"Open Code"},{"tag":"Open Data"}],"schematype":"script"}