**<u>Table 5: Impact of Treatments on Agricultural Outcomes and Household Expenditure</u>**

||<br>(1)|<br>(2)|<br>(3)|(4)|(5)|(6)|(7)|
|---|---|---|---|---|---|---|---|
|**Deendent variable:**|Land under|Total value of inputs|Proceeds from crop|Value of crop not so|ld<br>Value of crop output|Farm profit (output‐|Total expenditure in|
|**p**|cultivation [acres]|[MK]|sales [MK]|[MK]|(sold & not sold) [MK]|input) [MK]|last 30 days [MK]|
|Ordinary Account|0.05|8,472.34|9,341.96|‐1,670.06|7,166.73|1,071.47|411.36|
||(0.19)|(6,077.12)|(11,764.74)|(4,551.72)|(14,534.33)|(11,042.07)|(876.30)|
|Ordinary x Private Raffle|0.25|‐7,212.02|979.29|7,055.67|9,553.75|15,489.94|275.93|
||(0.21)|(6,355.19)|(12,102.78)|(4,533.55)|(14,812.85)|(11,450.81)|(979.08)|
|Ordinary x Public Raffle|0.41**|‐325.31|11,760.29|7,844.49*|20,979.92|20,170.59*|1,154.05|
||(0.19)|(6,553.14)|(12,560.25)|(4,612.98)|(14,961.77)|(11,652.61)|(931.85)|
|Commitment Account|0.42**|15,507.62**|22,089.14*|9,497.67*|33,418.12**|19,412.53|1,858.19**|
||(0.20)|(6,175.25)|(11,481.58)|(5,316.14)|(14,898.83)|(12,199.64)|(856.56)|
|Commitment x Private Raffle|‐0.13|‐7,287.75|11,708.24|‐9,754.99**|‐1,048.79|1,868.14|‐532.73|
||(0.19)|(7,000.23)|(13,656.58)|(4,849.81)|(15,823.44)|(13,224.24)|(888.32)|
|Commitment x Public Raffle|‐0.14|‐8,926.36|‐1,946.82|‐3,538.19|‐7,472.14|2,096.20|‐710.46|
||(0.20)|(6,328.36)|(11,856.82)|(4,939.13)|(14,581.30)|(11,990.53)|(979.41)|
|Mean Dep Var in Control|4.28|59,251.65|94,863.64|55,071.20|152,067.41|92,579.31|10,678.42|
|Number of observations|2,835|2,835|2,835|2,835|2,835|2,835|2,835|
|P‐values of F‐tests:||||||||
|Ordinary, No Raffle =||||||||
|Commitment, No Raffle|0.057|0.323|0.287|0.027|0.074|0.111|0.141|
|Ordinary, Private Raffle = 0|0.146|0.811|0.376|0.249|0.260|0.163|0.419|
|Ordinary, Public Raffle = 0|0.017|0.143|0.083|0.195|0.063|0.082|0.050|
|Commit., Private Raffle = 0|0.122|0.164|0.013|0.952|0.041|0.101|0.098|
|Commit., Public Raffle = 0|0.164|0.206|0.096|0.184|0.080|0.073|0.207|
|P‐value of F‐test of Ordinary=0 acro|ss regressions of column|s 1, 2, 5, 7:|0.252|||||
|P‐value of F‐test of Ordinary=Comm|itment across regression|s of columns 1, 2, 5, 7:|0.061|||||

Notes: Stars indicate significance at 10% (*), 5% (**), and 1% (***) levels. Standard errors are clustered at the club level. USD 1 is ca. MK 145. All regressions include stratification cell fixed effects and the following baseline variables: Dummy for male respondent; dummy for married; age in years; years of completed education; number of household members; asset index; livestock index; land under cultivation; proceeds from tobacco and maize sales during the 2008 season; cash spent on inputs for the 2009 season; dummy for ownership of any formal bank account; amount of savings in bank or cash (with missing values replaced with zeros); dummy for hyperbolic (missing values replaced with zeros); dummy for "patient now, impatient later" (missing values replaced with zeros); net transfers made to social network over 12 months; dummy for missing value in savings amount; dummy for missing value in hyperbolic and "patient now, impatient later". For complete variable definitions, see Appendix B. F‐tests: "Ordinary, No Raffle = Commitment, No Raffle" tests the equality of means in ordinary and commitment treatment groups each without additional raffle treatments; "Ordinary, Private Raffle = 0" tests if the sum of the coefficient on "Ordinary" and the coefficient on "Ordinary x Private Raffle" is different from zero; "Ordinary, Public Raffle", "Commitment, Private Raffle"; "Commitment, Public Raffle" tests the same sums of the different combinations of savings and raffle treatments. F‐tests of "Ordinary=0" and "Ordinary=Commitment" are based on Seemingly Unrelated Regressions (SUR) estimation and test if the coefficient on Ordinary is jointly significantly different from zero and if the coefficient on Ordinary equals the coefficient on Commitment across regressions with independent variables from column 1, 2, 5 and 7.