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Replication data for: Salary Delays and Overdrafts in Rural Ghana

Resource Type
  • Buehren, Niklas
  • Ceretti, Virginia
  • Dervisevic, Ervin
  • Goldstein, Markus
  • Klapper, Leora
  • Koroknay-Palicz, Tricia
  • Schaner, Simone
Publication Date
  • Abstract

    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.
  • Is supplement to
    DOI: 10.1257/pandp.20181014 (Text)
  • Buehren, Niklas, Virginia Ceretti, Ervin Dervisevic, Markus Goldstein, Leora Klapper, Tricia Koroknay-Palicz, and Simone Schaner. “Salary Delays and Overdrafts in Rural Ghana.” AEA Papers and Proceedings 108 (2018): 449–52.
    • ID: 10.1257/pandp.20181014 (DOI)

Update Metadata: 2020-05-18 | Issue Number: 2 | Registration Date: 2019-12-07

Buehren, Niklas; Ceretti, Virginia; Dervisevic, Ervin; Goldstein, Markus; Klapper, Leora et. al. (2018): Replication data for: Salary Delays and Overdrafts in Rural Ghana. Version: V0. ICPSR - Interuniversity Consortium for Political and Social Research. Dataset.