Tag
consumption_smoothing
2 findings
Firms & operationsCadence-Matched Payout ArchitectureInterim wage disbursement delivered precisely during the mid-contract lean period led to immediate 287% increases in loan repayments and 6.9% productivity gains without triggering self-control expenditure busts.Expert TheoryDevelopmentImmediate Credit & Consumption ResponseWithin three days of early payment, workers were 40 percentage points more likely to pay off loans or credits (a 222 percent increase from an 18 percent baseline). Food expenditures increased 25 percent from a baseline of INR 270 ($4.17 USD), and general expenditures increased 65 percent from a baseline of INR 573 ($8.84 USD).RCT