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Earmarking and Partitioning: Increasing Saving by Low-Income Households

Cheema & Soman (2011)
Amar Cheema,Dilip Soman
Summary by 
BHUB

A randomized evaluation found that workers who received their earmarked savings in two envelopes saved an average of 414 rupees, or 72% more than the 241 rupees saved by workers who received their savings in one envelope.