Replication data for: Salary Delays and Overdrafts in Rural Ghana

Principal Investigator(s): View help for Principal Investigator(s) Niklas Buehren; Virginia Ceretti; Ervin Dervisevic; Markus Goldstein; Leora Klapper; Tricia Koroknay-Palicz; Simone Schaner

Version: View help for Version V1

Name	File Type	Size	Last Modified
LICENSE.txt	text/plain	14.6 KB	12/07/2019 10:19:AM
Salary-Delays-and-Overdrafts_Dataset.dta	application/octet-stream	144.2 MB	12/07/2019 10:19:AM
Salary-Delays-and-Overdrafts_Do-file.do	text/plain	5.7 KB	12/07/2019 10:18:AM
Table-1.csv	text/plain	1.6 KB	12/07/2019 10:19:AM
Table-2.csv	text/plain	1.7 KB	12/07/2019 10:18:AM
readme.pdf	application/pdf	48.6 KB	12/07/2019 10:19:AM

Project Citation:

Buehren, Niklas, Ceretti, Virginia, Dervisevic, Ervin, Goldstein, Markus, Klapper, Leora, Koroknay-Palicz, Tricia, and Schaner, Simone. Replication data for: Salary Delays and Overdrafts in Rural Ghana. Nashville, TN: American Economic Association [publisher], 2018. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2019-12-07. https://doi.org/10.3886/E116444V1

Project Description

Summary: Checking overdrafts are an expensive yet common way for bank account holders to obtain short-term credit when faced with unexpected shocks. In developing countries, one common shock that many salaried workers face is late or erratic payment from their employer. We use administrative data from a rural bank in Ghana to show that receiving a late salary payment increases the likelihood of taking an overdraft by 10 percent. Past overdrafts are also associated with future overdrafts, suggesting that late payment exacerbates the risk of trapping workers in a costly debt cycle.

Scope of Project

JEL Classification:
      D14 Household Saving; Personal Finance
      G21 Banks; Depository Institutions; Micro Finance Institutions; Mortgages
      J31 Wage Level and Structure; Wage Differentials
      O15 Economic Development: Human Resources; Human Development; Income Distribution; Migration
      O16 Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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Published Versions

V1 [2019-12-07]

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