# **<u>Apendix Table 3: Impact of Treatments on Agricultural Outcomes and Household Expenditure</u>**

|<br> <br>**Regressions with stratification cell**|<br>**fixed effects but without a**|<br>**dditional baseline cont**|<br>**rols**|||||
|---|---|---|---|---|---|---|---|
||(1)|(2)|(3)|(4)|(5)|(6)|(7)|
||Land under cultivation|Total value of inputs|Proceeds from crop|Value of crop not sold|Value of crop output|Farm profit (output‐|Total expenditure in|
|**Dependent variable:**|[acres]|[MK]|sales [MK]|[MK]|(sold & not sold) [MK]|intput) [MK]|last 30 days [MK]|
|Ordinary Account|0.11|10,923.27|14,546.26|26.20|14,630.56|6,399.13|831.83|
||(0.22)|(6,841.25)|(12,851.36)|(4,619.93)|(15,526.30)|(11,488.35)|(955.61)|
|Ordinary x Private Raffle|0.25|‐5,296.73|3,216.05|6,607.88|11,626.56|15,588.30|398.97|
||(0.24)|(7,416.33)|(14,481.03)|(4,673.40)|(17,574.57)|(12,957.71)|(1,042.70)|
|Ordinary x Public Raffle|0.34|‐855.44|10,587.35|6,014.47|17,847.02|17,329.24|923.14|
||(0.23)|(7,381.63)|(14,243.22)|(4,700.58)|(16,895.99)|(12,679.95)|(958.83)|
|Commitment Account|0.46**|17,595.65**|28,180.58**|10,471.65*|40,820.63**|24,811.10*|2,260.29**|
||(0.23)|(7,346.81)|(13,609.43)|(5,821.05)|(17,755.82)|(13,541.50)|(1,006.45)|
|Commitment x Private Raffle|‐0.07|‐6,298.31|11,064.95|‐9,422.64*|‐1,185.32|1,051.76|‐378.69|
||(0.23)|(8,448.52)|(16,499.58)|(5,529.95)|(19,759.02)|(14,964.58)|(1,038.19)|
|Commitment x Public Raffle|‐0.36|‐12,792.81|‐11,960.37|‐7,810.87|‐21,899.88|‐8,464.72|‐1,400.86|
||(0.23)|(7,905.90)|(15,763.19)|(5,697.88)|(19,883.42)|(15,111.57)|(1,145.79)|
|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|0.145|0.444|0.374|0.063|0.171|0.182|0.210|
|Ordinary, Private Raffle = 0|0.123|0.328|0.163|0.164|0.101|0.081|0.172|
|Ordinary, Public Raffle = 0|0.038|0.085|0.045|0.208|0.035|0.054|0.031|
|Commit., Private Raffle = 0|0.075|0.075|0.007|0.814|0.017|0.051|0.030|
|Commit., Public Raffle = 0|0.629|0.408|0.236|0.570|0.259|0.221|0.396|
|P‐value of F‐test of Ordinary=0 acr|oss regressions of columns|1, 2, 5, 7:|0.106|||||
|P‐value of F‐test of Ordinary=Com|mitment across regressions|of columns 1, 2, 5, 7:|0.204|||||

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. 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 raflle treatments; "Private Raffle = 0, Ordinary or Commitment (jointly)" tests whether the coefficient on the interaction of "Ordinary" and "Commitment" with "Private Raffle" are jointly different from zero; "Public Raffle = 0, Ordinary or Commitment (jointly)" peforms the same test but for the public raffle treatment condition. 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.