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Treatment branches experienced an 18% increase in new loan sourcing and a 10% increase in loan renewals during the first two weeks of the month (~1 additional loan per branch in weeks 1–2, p < 0.10) and a 12% reduction in distance from ideal monthly task distribution (gap indicator decreased by 6.6 to 9.8 points, p < 0.05) without increasing delinquency rates.
Following program termination, the post-intervention treatment dummy returned to zero/statistically insignificant levels across goal completion, gap indicator (-5.16, p > 0.10), and biweekly productivity (0.387, p > 0.10), proving that productivity gains were driven strictly by active reminders rather than permanent habit formation or career concerns.
Target achievement increased by 70.0 percentage points (coefficient = 0.698, p < 0.10; with controls coefficient = 0.854, p < 0.05) and the workload gap index decreased by 9.58 points (p < 0.05) during Phase 2 when branch managers provided weekly reminders, whereas Phase 1 showed no statistically significant effect (coefficient = -0.081, p > 0.10).