中文摘要
承诺机制提供了限制未来选择的机会。然而，严格的承诺可能会阻碍参与。利用乌干达一项以学校为基础、旨在让儿童为教育支出储蓄的承诺储蓄计划，我们比较了完全限定资金用于学校开支的账户与承诺程度较弱的账户（后者以现金而非代金券形式提取资金）。弱承诺处理组的儿童储蓄更多；当该措施与家长动员相结合时，他们在教育用品上的支出也更多，测试成绩提高了0.10个标准差（标准误=0.04）。完全限定用途的账户并未带来此类教育改善；两种账户对出勤率、入学率或非认知技能等次级或后续结果均未产生影响。• 羁系的资金约束行动。• 然而，较弱的纽带释放心灵——。• 学习自会找到路径。• 而我们也了解到，AI很擅长将摘要转换成俳句式要点。
Abstract
Commitment devices offer an opportunity to restrict future choices. However, strict commitments may deter participation. Using a school-based commitment savings program for children to save for educational expenses in Uganda, we compare an account fully committed to school expenses to an account with a weaker commitment (funds withdrawn in cash, rather than a voucher). Children save more in the weaker commitment treatment arm, and when combined with parental outreach spend more on educational supplies and score 0.10 standard deviations (standard error = 0.04) on test scores. The fully committed account yields no such educational improvements, and neither account finds impacts on secondary or downstream outcomes such as attendance, enrollment, or non-cognitive skills. • Tethered funds restrain. • Yet weaker bonds free the mind—. • Learning finds its path. • And we learn that AI converts abstract to haiku-highlights quite well.