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3 cards
Combining capital grants and consulting nearly doubled monthly susu savings from a baseline mean of 18.6 GH¢ to 28.38 GH¢ in Round 6 (p < 0.01) and maintained a pooled average increase of 16.63 GH¢ across rounds (p < 0.10). Capital-only recipients did not increase susu savings significantly (2.16 GH¢ pooled, p > 0.10).
At two months post-grant (Round 3), capital grant recipients spent 179.3 GH¢ more than the control group on their baseline-stated target investments (p < 0.10) and showed a net asset/savings financial flow increase of 326.2 GH¢ at Round 6 (p < 0.01). By Round 8 (two years post-baseline), new investment flows turned negative (-13.70 GH¢ for capital only, -64.92 GH¢ for combined, p > 0.10).
Capital recipients increased short-term targeted asset investment by 179 cedis in Round 3 (p < 0.10), but experienced an average stated monthly income reduction of 45.43 cedis (p < 0.05) across pooled follow-up rounds, leading to complete disappearance of new capital investments by Round 8 (14 months post-grant).