NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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Implicit and Explicit Commitment in Credit and Saving Contracts: A Field Experiment

Uzma Afzal, Giovanna D'Adda, Marcel Fafchamps, Simon R. Quinn, Farah Said

NBER Working Paper No. 25802
Issued in May 2019

---- Acknowledgments ----

We thank Josh Dean, Pascaline Dupas, Pam Jakiela, Anett John, Supreet Kaur, Gautam Rao, Chris Roth and Jack Willis for their very useful comments, as well as participants at the ASSA Annual Meeting, the BREAD Conference on Behavioral Economics and Development (Stanford), the CSAE Annual Conference, the Lahore School of Economics, the University of Milan and the Paris School of Economics. We are grateful to RCons for their help collecting the survey data and to NRSP for their invaluable assistance in running the experiment. Funding for the experiment and data collection was provided by the International Growth Centre and by the Economic and Social Research Council (UK). We thank Mahreen Mahmud and Muhammed Meki, both for excellent field assistance and for valuable comments. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

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