Social Protection and Social Distancing During the Pandemic: Mobile Money Transfers in Ghana
We study the impact of mobile money transfers to a representative sample of low-income Ghanaians during the COVID-19 pandemic. The announcement of the upcoming transfers affects neither consumption, well-being, nor social distancing. Once disbursed, transfers increase food expenditure by 8%, income by 20%, and a social distancing index by 0.08 standard deviations. Over 40% of the transfers were spent on food. The positive effects on income mostly persist at final measurement, eight months after the last transfer. Together, we learn that cash transfers can support households economically while also promoting adherence to public health protocols during a pandemic.
We are grateful to Madeleen Husselman, Tatiana Melnikova, Hassan Moomin, Andre Nickow, Erin Ntalo, and Usamatu Salifu. We acknowledge financial support from the International Growth Centre, the Jameel Poverty Action Lab’s Digital Identification Finance, Northwestern University and the UK Foreign, Commonwealth & Development Office (awarded through Innovation for Poverty Action’s Peace Recovery Program). AEA Registry ID #0005861. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.