# <u>Transactions with Partner Institution (from internal records of OIBM):</u>

_Any transfer via direct deposit_ is 1 if the respondent receives any deposit from his or her tobacco club’s account to his or her individual savings account, and 0 if not.

_Deposits into ordinary accounts, pre-planting_ is the sum of (positive) transactions into the respondent’s OIBM ordinary savings accounts during the period of March to October 2009.

_Deposits into commitment accounts, pre-planting_ is the sum of (positive) transactions into the respondent’s OIBM commitment savings accounts during the period of March to October 2009.

_Deposits into other accounts, pre-planting_ is the sum of (positive) transactions into the respondent’s OIBM non-ordinary, non-commitment savings accounts during the period of March to October 2009.

_Sum of deposits into accounts, pre-planting_ is the sum of (positive) transactions into the respondent’s OIBM accounts (sum across all accounts) during the period of March to October 2009.

_Sum of withdrawals from accounts, pre-planting_ is the sum of (negative) transactions out of the respondent’s OIBM accounts (sum across all accounts) during the period of March to October 2009.

_Net of all transactions, pre-planting_ is the difference between the sum of all deposits and withdrawals in the respondent’s OIBM accounts during the period of March to October 2009. _Net of all transactions, planting_ is the difference between the sum of all deposits and withdrawals in the respondent’s OIBM accounts during the period of November 2009 to April 2010.

<u>Agricultural outcomes, household expenditure, and other variables, from endline survey (all</u> - <u>planting and harvest variables refer to the 2009 2010 planting season):</u> _Land under cultivation_ is the total area of land under cultivation, measured in acres. _Total value of inputs_ is the sum of cash spent on agricultural inputs plus the value of inputs included in-kind in loan packages for the 2009-2010 planting season. Input categories include seeds, pesticides, fertilizer, hired labor, transport and firewood (for curing tobacco).

_Proceeds from crop sales_ is the revenue from crop sales across all crops sold.

_Value of crop not sold_ is kilograms of crops not sold multiplied by the price/kilogram, summed across all crops. Price/kilogram for each crop is obtained by calculating crop-specific revenue/kilogram for each observation in the sample and then taking the sample average. _Value of crop output (sold & not sold)_ is the sum of “Proceeds from crop sales” and “Value of crop not sold” defined above.

_Farm profit (output - input)_ is the difference between “Value of crop output” and “Total value of inputs” defined above.

_Total expenditure in last 30 days_ is the sum of three categories household expenditures (food, non-food household items and transport) over the last 30 days prior to the endline survey. _Household size_ is the number of people counted as members of the respondent’s household at the time of the endline survey.

_Total transfers made_ is the total of transfers made to the social network over the 12 months prior to the endline interview, summed across six categories (social events, health shocks, education of children, agricultural inputs, hired labor and ‘other’).

_Total transfers received_ is the total of transfers received from the social network over the 12 months prior to the endline interview, summed across six categories (social events, health shocks, education of children, agricultural inputs, hired labor and ‘other’).

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