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. 2018 Nov;135:235–254. doi: 10.1016/j.jdeveco.2018.07.007

Table 5.

Impact of reminder on timing of deposits.

Made at Least One Deposit in 3-day Period × 100
(1) (2) (3) (4) (5) (6) (7) (8)
Reminder day plus 0–2 0.031
(0.059)
0.026
(0.059)
0.027
(0.059)
Reminder day plus 3–5 0.117∗
(0.064)
0.113∗
(0.064)
0.124∗
(0.065)
Reminder day plus 6–8 0.098
(0.063)
0.094
(0.063)
0.102
(0.064)
Reminder day plus 0-8 0.091∗∗∗
(0.033)
0.100∗∗
(0.046)
0.096∗∗
(0.046)
0.100∗∗
(0.046)
0.193∗∗
(0.093)
Reminder day plus 9–11 −0.111∗∗
(0.050)
−0.112∗∗
(0.050)
−0.117∗∗
(0.050)
Reminder day plus 12–14 −0.049
(0.053)
−0.051
(0.053)
−0.050
(0.053)
Reminder day plus 15–17 0.043
(0.056)
0.044
(0.056)
0.049
(0.056)
Reminder day plus 18–20 0.037
(0.063)
0.037
(0.063)
0.046
(0.063)
Reminder day plus 21–23 −0.037
(0.054)
−0.036
(0.054)
−0.031
(0.055)
Reminder day plus 24–26 0.049
(0.060)
0.050
(0.060)
0.053
(0.060)
Save at will 0.137∗∗∗
(0.041)
0.137∗∗∗
(0.041)
0.137∗∗∗
(0.041)
0.137∗∗∗
(0.041)
0.137∗∗∗
(0.042)
0.137∗∗∗
(0.042)
0.139∗∗∗
(0.042)
0.140∗∗∗
(0.042)
Monthly billing 0.055
(0.037)
0.055
(0.037)
0.055
(0.037)
0.055
(0.037)
0.062
(0.042)
0.062
(0.042)
0.061
(0.042)
0.062
(0.042)
Deposit required −0.024
(0.052)
−0.024
(0.052)
−0.022
(0.052)
−0.022
(0.052)
−0.024
(0.052)
−0.024
(0.052)
−0.022
(0.052)
0.011
(0.051)
High subsidy 0.161∗∗∗
(0.036)
0.161∗∗∗
(0.036)
0.163∗∗∗
(0.036)
0.163∗∗∗
(0.036)
0.161∗∗∗
(0.036)
0.161∗∗∗
(0.036)
0.163∗∗∗
(0.036)
0.162∗∗∗
(0.038)
Reminder day plus 0–8 × Save at will −0.001
(0.074)
−0.000
(0.074)
−0.007
(0.074)
−0.010
(0.073)
Reminder day plus 0–8 × Monthly billing −0.023
(0.078)
−0.024
(0.078)
−0.020
(0.078)
−0.023
(0.078)
Reminder day plus 0–8 × Deposit required −0.110
(0.085)
Reminder day plus 0–8 × High subsidy 0.003
(0.062)
Grid-point FE Yes Yes Yes Yes Yes Yes Yes Yes
Calendar month FE No Yes Yes Yes No Yes Yes Yes
Day of week FE No Yes Yes Yes No Yes Yes Yes
Calendar day FE No No Yes Yes No No Yes Yes
Reminder # FE
No
No
Yes
Yes
No
No
Yes
Yes
R2 0.004 0.005 0.006 0.005 0.004 0.005 0.005 0.005
N 162,690 162,690 162,690 162,690 162,690 162,690 162,690 162,690

Note: Controls in all regressions include: pre-intervention outcomes (mechanized desludging in year before baseline and manual desludging in year before baseline) and unbalanced controls (hhd wealth and hhd size). Standard errors clustered at the household level are in parentheses: p<0.10, p<0.05, p<0.01. Each observations is a three-day period for a household. The outcome is whether the household deposited in that period (scaled up by 100). The mean of the outcome variable is 0.27.