**<u>Table 1: Summary Statistics</u>**

||Mean|Standard<br> Deviation|10th<br>Percentile|Median|90th<br>Percentile|Observations|
|---|---|---|---|---|---|---|
|**_Treatment conditions_**|||||||
|Control group|0.135|0.341|0|0|1|3150|
|Ordinary Account|0.448|0.497|0|0|1|3150|
|Ordinary x Private Raffle|0.149|0.356|0|0|1|3150|
|Ordinary x Public Raffle|0.153|0.360|0|0|1|3150|
|Commitment Account|0.417|0.493|0|0|1|3150|
|Commitment x Private Raffle|0.142|0.349|0|0|1|3150|
|Commitment x Public Raffle|0.139|0.346|0|0|1|3150|
|**_Baseline Characteristics_**|||||||
|Number of members per club|13.88|6.44|9.00|11.00|23.00|299|
|Female|0.063|0.243|0.000|0.000|0.000|3150|
|Married|0.955|0.208|1.000|1.000|1.000|3150|
|Age [years]|45.02|13.61|28.00|44.00|64.00|3150|
|Years of education|5.45|3.53|0.00|6.00|10.00|3150|
|Household Size|5.79|1.99|3.00|6.00|9.00|3150|
|Asset index|‐0.02|1.86|‐1.59|‐0.67|2.46|3150|
|Livestock index|‐0.03|1.15|‐1.00|‐0.36|1.37|3150|
|Land under cultivation [acres]|4.67|2.14|2.50|4.03|7.50|3150|
|Proceeds from crop sales [MK]|126000|175000|7000|67000|300000|3150|
|Cash spent on inputs [MK]|25118|41148|0|10000|64500|3150|
|Has bank account|0.63|0.48|0.00|1.00|1.00|3150|
|Savings in cash at home [MK]|1243.79|3895.00|0.00|0.00|3000.00|3150|
|Savings in bank accounts [MK]|208316|826471|000|000|300000|2949|
|<br>Hyperbolic|.<br>0.10|.<br>0.30|.<br>0.00|.<br>0.00|.<br>1.00|3117|
|Patient now, impatient later|0.30|0.46|0.00|0.00|1.00|3117|
|<br>Net transfers made in past 12m [MK]|1753.46|7645.07|‐2990.00|500.00|8100.00|3150|
|Missing value for formal savings and cash|0.064|0.244|0.000|0.000|0.000|3150|
|Missing value for time preferences|0.010|0.102|0.000|0.000|0.000|3150|
|**_Transactions with Partner Institution_**|||||||
|Any Transfer via Direct Deposit|0.154|0.361|0|0|1|3150|
|Deposits into ordinary accounts, pre‐planting [MK]<br>Deposits into commitment accounts pre‐planting [MK]|18472<br>615|82396<br>5367|0<br>0|0<br>0|38907<br>0|3150<br>3150|
|,<br>Deposits into other accounts, pre‐planting [MK]|296|3804|0|0|0|3150|
|Sum of deposits into accounts, pre‐planting [MK]|19383|84483|0|0|40694|3150|
|Sum of withdrawals from accounts, pre‐planting [MK]|‐18600|82744|‐38600|0|0|3150|
|Net of all transactions, pre‐planting [MK]|762|13857|0|0|649|3150|
|Net of all transactions, planting [MK]|‐1117|8472|0|0|6|3150|
|**_Endline Survey Outcomes_**|||||||
|Land under cultivation (acres)|4.52|2.66|2.00|4.00|8.00|2835|
|Total value of inputs [MK]|66910|82196|2200|43500|153000|2835|
|Proceeds from crop sales [MK]|113000|163000|0|59500|278000|2835|
|Value of crop not sold [MK]|58664|61733|11732|40974|120000|2835|
|Value of crop output (sold & not sold) [MK]|174000|200000|25492|112000|383000|2835|
|Farm profit (output‐intput) [MK]|108000|155000|0|68486|261000|2835|
|Total expenditure in last 30 days [MK]|11905|13219|2250|7500|26000|2835|
|<br>Household size|5.80|2.15|3.00|6.00|9.00|2835|
|Total transfers made [MK]|3152.42|5098.93|0.00|1300.00|8000.00|2835|
|Ttl tf id MK|220399|437729|000|50000|605000|2835|
|oa ransers receve []|.|.|.|.|.||
|Total net transfers made [MK]|938.72|5896.38|‐3000.00|350.00|5750.00|2835|
|<br>Transf. made, biggest gift bf. Oct09 [MK]|428.75|1402.69|0.00|0.00|1000.00|2835|
|<br>Transf. received, biggest gift bf. Oct09 [MK]|482.44|1617.00|0.00|0.00|1150.00|2835|
|Net transf. made, biggest gift bf. Oct09 [MK]|‐58.76|1943.54|‐600.00|0.00|600.00|2835|
|Has fixed deposit account|0.07|0.25|0.00|0.00|0.00|2835|
|Not interviewed in follow‐up|0.10|0.30|0.00|0.00|0.50|3150|

Data based on two surveys conducted in February to April 2009 (baseline) and July to August 2010 (endline), and on administrative records of our partner institution. See Appendix B for details of the variable definitions.