DDI_MWI_2013_SDPDCT_v01_EN_M_v01_A_OCS_FAO Office of Chief Statistician Development Economics Data Group <_value> NADA MWI_2013_SDPDCT_v01_EN_M_v01_A_OCS_v01 Savings Defaults and Payment Delays for Cash Transfers, 2013-2014 SDPDCT 2013-2014 MWI_2013_SDPDCT_v01_EN_M_v01_A_OCS Xavier Giné Lasse Brune Jessica Goldberg Dean Yang NADA Yale Savings and Payments Research Fund Xavier Giné Other Household Survey [hh/oth] Financial Sector Access to Finance Payment Systems Agriculture & Rural Development The survey data accompanies the paper, “Savings Defaults and Payment Delays for Cash Transfers: Field Experimental Evidence from Malawi”. The researchers implement an artefactual field experiment in Malawi to test the ability of households to manage a cash windfall by varying whether 474 households receive a payment in cash or through direct deposit into pre-established accounts at a local bank. The windfall income experiment described in this paper is one of a set of interventions designed to encourage savings and understand the mechanisms through which formal bank accounts affect consumption and spending. The experiment is designed to address three related questions: - Does defaulting payment of a transfer into a savings account affect savings? - Is income used differently when directly deposited to a bank account compared to when received in cash? And; - Does delaying receipt of the transfer change consumption and savings decisions? The household survey is adapted from Malawi's Third Integrated Household Survey (IHS-3) and contains its detailed expenditure module. In addition to asking about the quantity purchased and total paid for 218 consumption goods, durable goods and services, authors also ask whether each purchase was planned before the respondent arrived at the store or market or was made on the spot. Researchers also use survey data collected between June and Aug 2013, before bank accounts were opened. These data include information about household demographics, expenditures, asset ownership and time preferences. Malawi Village level Households Sample survey data [ssd] The Scope of this study includes: - Expenditures - Assets - Savings - Loans Received - Loans Given Out - Transfers Received - Transfers Given Out - Agriculture Inputs - Aspirations - Income - Expenditures - Cash Prize - Loans Received & Loan Payments - Part 1 - Loans Received & Loan Payments - Part 2 (a) SAMPLE SELECTION Crucially, the umbrella project offered subsidized bank accounts with the commercial bank NBS to households in villages located within six kilometres of the bank's Mulanje branch location. The branch is located in the local trading centre, an approximately one-kilometre stretch along the main road with shops, government offices, and branches of other local banks. The field teams completed village listings in ten villages and randomly selected 872 households for surveys and account offers in July 2012. Of those households, approximately five percent already had accounts with NBS, and another 15 percent had accounts with one or more other banks. These numbers appear typical for Malawi. According to the nationally representative Global Findex Database, 18.8 percent of individuals aged 15 and older in Malawi had accounts with financial institutions in 2014; in rural areas, 14.3 percent of adults owned such accounts. Ultimately, 742 individuals in our sample opened new accounts. The final sample included 704 new and existing NBS account holders who participated in the savings promotion studies. From that sample of account holders, a random subset of 600 were selected for the windfall cash experiment. (b) EXPERIMENTAL DESIGN The windfall experiment varied whether respondents received a payment of MK 25,000 (USD 59.52 or $PPP 176.50) in cash or directly deposited into their bank accounts. The savings default treatment was cross-randomized with the timing of payment: immediately, after one day, or after eight days. In order to equalize the transactions costs of accessing the payment, all participants had to return to the bank in order to receive their payment whether it was made in cash or directly deposited into a bank account. Twenty percent of respondents (118 individuals) received a small, immediate cash payment of MK 1,000 instead of the large transfer of MK 25,000 and serve as a control group although they are excluded from most of the analysis. Participants in the control group received a small payment to offset their travel and time costs and to preserve good will for participation in future survey waves. The final design thus includes six large transfer treatment arms that vary in savings default and timing of payment, and the control group. The randomization into the different treatment (and control) arms took place at the bank itself to avoid differential take-up. First, each head of household was visited by a field team for a midline survey, after which they were told they were eligible for a cash prize of up to MK 25,000 if they visited the bank branch exactly two days after the survey (which becomes \day zero" in the intervention timeline). In advance of the midline visit, households were randomly assigned (by computer, and stratified by village) to either a morning or afternoon visit to the bank branch. The shift implicitly determined whether the household would receive the transfer in cash or directly deposited into the bank account. The correspondence between shift time and savings default alternated daily, so respondents who interacted with each other at the bank all received the transfer in the same way. The savings default determination was not known to respondents until they visited the bank. Assignment to disbursement timing took place at the bank. Respondents drew (without replacement) a token from a bag assigned to their village and bank shift. The tokens corresponded to one of four groups: a control condition that received a small, immediate cash transfer or one of three timing conditions for the large transfers. The three timing conditions for the large payments were immediate, in one day, or in eight days. The savings default was cross-randomized and determined by pre-assignment to morning or afternoon shift as explained above but was revealed to respondents following the token draw. From the respondents' perspective, the token draw determined whether the transfer was large or small; whether it was defaulted into savings; and when it was received. All analysis is conducted relative to the day a household was assigned to visit the bank. Follow up surveys were carefully timed to capture spending at key intervals. The recall period for each survey was one week. For those who received transfers immediately or one day after the initial bank visit, pre-transfer expenditures come from the survey conducted at the initial visit, on day t = -2. Spending in the week after the transfer (including day of the transfer) is measured in Survey 1, conducted on day t = 7 for the immediate-transfer group and day t = 8 for the one day delay group. For the eight day delay group, Survey 1 measures spending in the week after the announcement, but before the transfer was made. As we will discuss, households may spend in anticipation of receiving a large transfer. Survey 2, conducted on day t = 15, measures post-transfer expenditures for this group. The only exception to a one-week recall period is this survey, which includes an eight day recall period to capture spending on the day of the transfer. Transfers were implemented in March and April 2014. They were timed to coincide with the end of the lean season, just before many household's harvest and sell crops. Face-to-face [f2f] https://microdata.worldbank.org/index.php/terms-of-use Use of the dataset must be acknowledged using a citation which would include: - the Identification of the Primary Investigator - the title of the survey (including country, acronym and year of implementation) - the survey reference number - the source and date of download Example: Xavier Giné, Lasse Brune, Jessica Goldberg, Dean Yang. Savings Defaults and Payment Delays for Cash Transfers: Field Experimental Evidence from Malawi. Policy Research working paper; no. WPS 7807. Ref. MWI_2013_DDCS_v01_M. Dataset downloaded from [url] on [date]. https://microdata.worldbank.org/index.php/terms-of-use The user of the data acknowledges that the original collector of the data, the authorized distributor of the data, and the relevant funding agency bear no responsibility for use of the data or for interpretations or inferences based upon such uses ddcs_pub 1779 125 Baseline Unique ID Baseline Unique ID Baseline Unique ID Baseline Unique ID Baseline Unique ID Link to baseline survey conducted in 2013 1779 Survey round Survey round Survey round Survey round Survey round Survey round when expenditure data elicited (see title of survey instruments) 1779 1 2 3 Dummy: Round 1 Dummy: Round 1 Dummy: Round 1 Dummy: Round 1 Dummy: Round 1 Dummy for survey from round 1 (prior to cash transfers) 1779 1 weekint1==2818 weekint1==2818 weekint1==2818 weekint1==2818 weekint1==2818 Fixed effect for week of first survey - week starting Mar 3, 2014 1779 1 weekint1==2819 weekint1==2819 weekint1==2819 weekint1==2819 weekint1==2819 Fixed effect for week of first survey - week starting Mar 10, 2014 1779 1 weekint1==2820 weekint1==2820 weekint1==2820 weekint1==2820 weekint1==2820 Fixed effect for week of first survey - week starting Mar 17, 2014 1779 1 z3com_num==2 z3com_num==2 z3com_num==2 z3com_num==2 z3com_num==2 Village fixed effect - village code 2 1779 1 z3com_num==3 z3com_num==3 z3com_num==3 z3com_num==3 z3com_num==3 Village fixed effect - village code 3 1779 1 z3com_num==4 z3com_num==4 z3com_num==4 z3com_num==4 z3com_num==4 Village fixed effect - village code 4 1779 1 z3com_num==5 z3com_num==5 z3com_num==5 z3com_num==5 z3com_num==5 Village fixed effect - village code 5 1779 1 z3com_num==6 z3com_num==6 z3com_num==6 z3com_num==6 z3com_num==6 Village fixed effect - village code 6 1779 1 z3com_num==7 z3com_num==7 z3com_num==7 z3com_num==7 z3com_num==7 Village fixed effect - village code 7 1779 1 z3com_num==8 z3com_num==8 z3com_num==8 z3com_num==8 z3com_num==8 Village fixed effect - village code 8 1779 1 z3com_num==9 z3com_num==9 z3com_num==9 z3com_num==9 z3com_num==9 Village fixed effect - village code 9 1779 1 z3com_num==10 z3com_num==10 z3com_num==10 z3com_num==10 z3com_num==10 Village fixed effect - village code 10 1779 1 z3com_num==11 z3com_num==11 z3com_num==11 z3com_num==11 z3com_num==11 Village fixed effect - village code 11 1779 1 z3com_num==12 z3com_num==12 z3com_num==12 z3com_num==12 z3com_num==12 Village fixed effect - village code 12 1779 1 z3com_num==13 z3com_num==13 z3com_num==13 z3com_num==13 z3com_num==13 Village fixed effect - village code 13 1779 1 Gender of the household head- Male = 1 Gender of the household head- Male = 1 Gender of the household head- Male = 1 Gender of the household head- Male = 1 Gender of the household head- Male = 1 From baseline survey conducted in 2013 1779 1 dep>0 or with<0 dep>0 or with<0 dep>0 or with<0 dep>0 or with<0 dep>0 or with<0 Admin data from NBS 1779 1 Below median distance to bank branch Below median distance to bank branch Below median distance to bank branch Below median distance to bank branch Below median distance to bank branch From baseline survey conducted in 2013 1779 1 Above median asset index (from pca) Above median asset index (from pca) Above median asset index (from pca) Above median asset index (from pca) Above median asset index (from pca) From baseline survey conducted in 2013 1779 1 Below median of switching point in impatience measures Below median of switching point in impatience measures Below median of switching point in impatience measures Below median of switching point in impatience measures Below median of switching point in impatience measures From baseline survey conducted in 2013 1779 1 NBS only NBS only NBS only NBS only NBS only From baseline survey conducted in 2013 1779 900000 sum of all banks + SACCO sum of all banks + SACCO sum of all banks + SACCO sum of all banks + SACCO sum of all banks + SACCO From baseline survey conducted in 2013 1779 1100000 Employer, Farmer/Chruch group, ROSCA, Village Saving, Ins fund, home, s/o else Employer, Farmer/Chruch group, ROSCA, Village Saving, Ins fund, home, s/o else Employer, Farmer/Chruch group, ROSCA, Village Saving, Ins fund, home, s/o else Employer, Farmer/Chruch group, ROSCA, Village Saving, Ins fund, home, s/o else Employer, Farmer/Chruch group, ROSCA, Village Saving, Ins fund, home, s/o else From baseline survey conducted in 2013 1779 500000 In-kind saving: adv buying of inputs In-kind saving: adv buying of inputs In-kind saving: adv buying of inputs In-kind saving: adv buying of inputs In-kind saving: adv buying of inputs From baseline survey conducted in 2013 1779 100000 Financial + Other Financial + Other Financial + Other Financial + Other Financial + Other From baseline survey conducted in 2013 1779 1275000 Financial + In-Kind + Other Financial + In-Kind + Other Financial + In-Kind + Other Financial + In-Kind + Other Financial + In-Kind + Other From baseline survey conducted in 2013 1779 1335000 Gender of the Household Head- Male = 1 Gender of the Household Head- Male = 1 Gender of the Household Head- Male = 1 Gender of the Household Head- Male = 1 Gender of the Household Head- Male = 1 From baseline survey conducted in 2013 1779 1 Household married Household married Household married Household married Household married From baseline survey conducted in 2013 1779 1 Household size Household size Household size Household size Household size From baseline survey conducted in 2013 1779 1 2 3 4 5 6 7 8 9 10 11 12 Age at baseline Age at baseline Age at baseline Age at baseline Age at baseline From baseline survey conducted in 2013 1779 7.5 Total assets at baseline Total assets at baseline Total assets at baseline Total assets at baseline Total assets at baseline From baseline survey conducted in 2013 1779 2000 4905130 Asset index (from pca) Asset index (from pca) Asset index (from pca) Asset index (from pca) Asset index (from pca) From baseline survey conducted in 2013 1779 -3.405 15.319 Distance to bank branch Distance to bank branch Distance to bank branch Distance to bank branch Distance to bank branch From baseline survey conducted in 2013 1779 0.963 7.616 Indicator hyperbolic Indicator hyperbolic Indicator hyperbolic Indicator hyperbolic Indicator hyperbolic From baseline survey conducted in 2013 1779 1 Indicator patient now, impatient later Indicator patient now, impatient later Indicator patient now, impatient later Indicator patient now, impatient later Indicator patient now, impatient later From baseline survey conducted in 2013 1779 1 Switching point in impatience measures Switching point in impatience measures Switching point in impatience measures Switching point in impatience measures Switching point in impatience measures From baseline survey conducted in 2013 1779 1 2 3 4 5 6 dep>0 or with<0 dep>0 or with<0 dep>0 or with<0 dep>0 or with<0 dep>0 or with<0 Admin data from NBS 1779 1 Value deposits 90 days prior Value deposits 90 days prior Value deposits 90 days prior Value deposits 90 days prior Value deposits 90 days prior Admin data from NBS 1779 2432404 Value withdrawals 90 days prior Value withdrawals 90 days prior Value withdrawals 90 days prior Value withdrawals 90 days prior Value withdrawals 90 days prior Admin data from NBS 1779 -4102655.75 Value of net deposits 90 days prior Value of net deposits 90 days prior Value of net deposits 90 days prior Value of net deposits 90 days prior Value of net deposits 90 days prior Admin data from NBS 1779 -1670251.75 202588.875 Direct deposit * one week post Direct deposit * one week post Direct deposit * one week post Direct deposit * one week post Direct deposit * one week post Group number from survey corresponds to treatment 1779 1 Direct deposit * two weeks post Direct deposit * two weeks post Direct deposit * two weeks post Direct deposit * two weeks post Direct deposit * two weeks post Group number from survey corresponds to treatment 1779 1 Large transfer * direct deposit Large transfer * direct deposit Large transfer * direct deposit Large transfer * direct deposit Large transfer * direct deposit Group number from survey corresponds to treatment 1779 1 Large transfer * cash Large transfer * cash Large transfer * cash Large transfer * cash Large transfer * cash Group number from survey corresponds to treatment 1779 1 Large transfer * direct deposit Large transfer * direct deposit Large transfer * direct deposit Large transfer * direct deposit Large transfer * direct deposit Group number from survey corresponds to treatment 1779 1 One week post treatment One week post treatment One week post treatment One week post treatment One week post treatment Group number from survey corresponds to treatment 1779 1 One week post treatment * 1 day delay One week post treatment * 1 day delay One week post treatment * 1 day delay One week post treatment * 1 day delay One week post treatment * 1 day delay Group number from survey corresponds to treatment 1779 1 One week post treatment * 8 day delay One week post treatment * 8 day delay One week post treatment * 8 day delay One week post treatment * 8 day delay One week post treatment * 8 day delay Group number from survey corresponds to treatment 1779 1 Large Transfer * 0-delay Large Transfer * 0-delay Large Transfer * 0-delay Large Transfer * 0-delay Large Transfer * 0-delay Group number from survey corresponds to treatment 1779 1 Large Transfer * 1-delay Large Transfer * 1-delay Large Transfer * 1-delay Large Transfer * 1-delay Large Transfer * 1-delay Group number from survey corresponds to treatment 1779 1 Large Transfer * 8-delay Large Transfer * 8-delay Large Transfer * 8-delay Large Transfer * 8-delay Large Transfer * 8-delay Group number from survey corresponds to treatment 1779 1 treatmentgroup==Cash+0 treatmentgroup==Cash+0 treatmentgroup==Cash+0 treatmentgroup==Cash+0 treatmentgroup==Cash+0 Group number from survey corresponds to treatment 1779 1 treatmentgroup==DD+0 treatmentgroup==DD+0 treatmentgroup==DD+0 treatmentgroup==DD+0 treatmentgroup==DD+0 Group number from survey corresponds to treatment 1779 1 treatmentgroup==Cash+1 treatmentgroup==Cash+1 treatmentgroup==Cash+1 treatmentgroup==Cash+1 treatmentgroup==Cash+1 Group number from survey corresponds to treatment 1779 1 treatmentgroup==DD+1 treatmentgroup==DD+1 treatmentgroup==DD+1 treatmentgroup==DD+1 treatmentgroup==DD+1 Group number from survey corresponds to treatment 1779 1 treatmentgroup==Cash+8 treatmentgroup==Cash+8 treatmentgroup==Cash+8 treatmentgroup==Cash+8 treatmentgroup==Cash+8 Group number from survey corresponds to treatment 1779 1 treatmentgroup==DD+8 treatmentgroup==DD+8 treatmentgroup==DD+8 treatmentgroup==DD+8 treatmentgroup==DD+8 Group number from survey corresponds to treatment 1779 1 Group # (Circle) Group # (Circle) Group # (Circle) Group # (Circle) Group # (Circle) Group number from survey corresponds to treatment 1779 1 Control 2 Cash+0 3 DD+0 4 Cash+1 5 DD+1 6 Cash+8 7 DD+8 Dummy: Control group Dummy: Control group Dummy: Control group Dummy: Control group Dummy: Control group Group number from survey corresponds to treatment 1779 1 NBS account NBS account NBS account NBS account NBS account Expenditure surveys - savings module - question IS.4 1779 160000 Winsorized: NBS account Winsorized: NBS account Winsorized: NBS account Winsorized: NBS account Winsorized: NBS account Expenditure surveys - savings module - question IS.4 1779 58000 Formal savings Formal savings Formal savings Formal savings Formal savings Expenditure surveys - savings module - question IS.4 1779 725000 Winsorized: Formal savings Winsorized: Formal savings Winsorized: Formal savings Winsorized: Formal savings Winsorized: Formal savings Expenditure surveys - savings module - question IS.4 1779 164000 Informal savings Informal savings Informal savings Informal savings Informal savings Expenditure surveys - savings module - question IS.4 1779 325000 Winsorized: Informal savings Winsorized: Informal savings Winsorized: Informal savings Winsorized: Informal savings Winsorized: Informal savings Expenditure surveys - savings module - question IS.4 1779 100000 In-kind savings In-kind savings In-kind savings In-kind savings In-kind savings Expenditure surveys - savings module - question IS.4 1779 3340000 Winsorized: In-kind savings Winsorized: In-kind savings Winsorized: In-kind savings Winsorized: In-kind savings Winsorized: In-kind savings Expenditure surveys - savings module - question IS.4 1779 499000 Total financial assets Total financial assets Total financial assets Total financial assets Total financial assets Expenditure surveys - savings module - question IS.4 1779 982000 Winsorized: Total financial assets Winsorized: Total financial assets Winsorized: Total financial assets Winsorized: Total financial assets Winsorized: Total financial assets Expenditure surveys - savings module - question IS.4 1779 251000 Total savings Total savings Total savings Total savings Total savings Expenditure surveys - savings module - question IS.4 1779 3379000 Winsorized: Total savings Winsorized: Total savings Winsorized: Total savings Winsorized: Total savings Winsorized: Total savings Expenditure surveys - savings module - question IS.4 1779 701000 Food, planned Food, planned Food, planned Food, planned Food, planned Expenditure surveys - expenditure module - created from cols 1-5 1773 6 187340 Winsorized: Food, planned Winsorized: Food, planned Winsorized: Food, planned Winsorized: Food, planned Winsorized: Food, planned Expenditure surveys - expenditure module - created from cols 1-5 1773 6 28580 Food, unplanned Food, unplanned Food, unplanned Food, unplanned Food, unplanned Expenditure surveys - expenditure module - created from cols 1-5 1773 6 8660 Winsorized: Food, unplanned Winsorized: Food, unplanned Winsorized: Food, unplanned Winsorized: Food, unplanned Winsorized: Food, unplanned Expenditure surveys - expenditure module - created from cols 1-5 1773 6 4900 Non-durables, planned Non-durables, planned Non-durables, planned Non-durables, planned Non-durables, planned Expenditure surveys - expenditure module - created from cols 1-5 1773 6 25200 Winsorized: Non-durables, planned Winsorized: Non-durables, planned Winsorized: Non-durables, planned Winsorized: Non-durables, planned Winsorized: Non-durables, planned Expenditure surveys - expenditure module - created from cols 1-5 1773 6 13050 Non-durables, unplanned Non-durables, unplanned Non-durables, unplanned Non-durables, unplanned Non-durables, unplanned Expenditure surveys - expenditure module - created from cols 1-5 1773 6 15000 Winsorized: Non-durables, unplanned Winsorized: Non-durables, unplanned Winsorized: Non-durables, unplanned Winsorized: Non-durables, unplanned Winsorized: Non-durables, unplanned Expenditure surveys - expenditure module - created from cols 1-5 1773 6 3000 Total Expenditure Total Expenditure Total Expenditure Total Expenditure Total Expenditure Expenditure surveys - expenditure module - created from cols 1-5 1773 6 470710 Winsorized: Total Expenditure Winsorized: Total Expenditure Winsorized: Total Expenditure Winsorized: Total Expenditure Winsorized: Total Expenditure Expenditure surveys - expenditure module - created from cols 1-5 1773 6 90 91870 Food Food Food Food Food Expenditure surveys - expenditure module - created from cols 1-5 1773 6 192340 Winsorized: Food Winsorized: Food Winsorized: Food Winsorized: Food Winsorized: Food Expenditure surveys - expenditure module - created from cols 1-5 1773 6 10 29480 Non-durables Non-durables Non-durables Non-durables Non-durables Expenditure surveys - expenditure module - created from cols 1-5 1773 6 25300 Winsorized: Non-durables Winsorized: Non-durables Winsorized: Non-durables Winsorized: Non-durables Winsorized: Non-durables Expenditure surveys - expenditure module - created from cols 1-5 1773 6 13750 Durables Durables Durables Durables Durables Expenditure surveys - expenditure module - created from cols 1-5 1773 6 240350 Winsorized: Durables Winsorized: Durables Winsorized: Durables Winsorized: Durables Winsorized: Durables Expenditure surveys - expenditure module - created from cols 1-5 1773 6 40395 Transfers and fees Transfers and fees Transfers and fees Transfers and fees Transfers and fees Admin data from NBS 1773 6 111500 Winsorized: Transfers and fees Winsorized: Transfers and fees Winsorized: Transfers and fees Winsorized: Transfers and fees Winsorized: Transfers and fees Admin data from NBS 1773 6 30000 Tempt. D1 Tempt. D1 Tempt. D1 Tempt. D1 Tempt. D1 Expenditure surveys - expenditure module - created from cols 1-5 1773 6 14020 Winsorized: Tempt. D1 Winsorized: Tempt. D1 Winsorized: Tempt. D1 Winsorized: Tempt. D1 Winsorized: Tempt. D1 Expenditure surveys - expenditure module - created from cols 1-5 1773 6 3080 Tempt. D2 Tempt. D2 Tempt. D2 Tempt. D2 Tempt. D2 Expenditure surveys - expenditure module - created from cols 1-5 1773 6 19850 Winsorized: Tempt. D2 Winsorized: Tempt. D2 Winsorized: Tempt. D2 Winsorized: Tempt. D2 Winsorized: Tempt. D2 Expenditure surveys - expenditure module - created from cols 1-5 1773 6 3800 Tempt. D3 Tempt. D3 Tempt. D3 Tempt. D3 Tempt. D3 Expenditure surveys - expenditure module - created from cols 1-5 1773 6 19850 Winsorized: Tempt. D3 Winsorized: Tempt. D3 Winsorized: Tempt. D3 Winsorized: Tempt. D3 Winsorized: Tempt. D3 Expenditure surveys - expenditure module - created from cols 1-5 1773 6 4200 Value deposits 270 days post Value deposits 270 days post Value deposits 270 days post Value deposits 270 days post Value deposits 270 days post Admin data from NBS 1779 6743457 Value deposits 180 days post Value deposits 180 days post Value deposits 180 days post Value deposits 180 days post Value deposits 180 days post Admin data from NBS 1779 4022900 Value deposits 90 days post Value deposits 90 days post Value deposits 90 days post Value deposits 90 days post Value deposits 90 days post Admin data from NBS 1779 1791900 Value deposits 21 days post Value deposits 21 days post Value deposits 21 days post Value deposits 21 days post Value deposits 21 days post Admin data from NBS 1779 624400 Value deposits 14 days post Value deposits 14 days post Value deposits 14 days post Value deposits 14 days post Value deposits 14 days post Admin data from NBS 1779 501100 Value deposits 7 days post Value deposits 7 days post Value deposits 7 days post Value deposits 7 days post Value deposits 7 days post Admin data from NBS 1779 205000 Value deposits 3 days post Value deposits 3 days post Value deposits 3 days post Value deposits 3 days post Value deposits 3 days post Admin data from NBS 1779 130000 Value deposits 1 days post Value deposits 1 days post Value deposits 1 days post Value deposits 1 days post Value deposits 1 days post Admin data from NBS 1779 53432.5 Value deposits 0 days post Value deposits 0 days post Value deposits 0 days post Value deposits 0 days post Value deposits 0 days post Admin data from NBS 1779 50000 Value withdrawals 270 days post Value withdrawals 270 days post Value withdrawals 270 days post Value withdrawals 270 days post Value withdrawals 270 days post Admin data from NBS 1779 -6697815 Value withdrawals 180 days post Value withdrawals 180 days post Value withdrawals 180 days post Value withdrawals 180 days post Value withdrawals 180 days post Admin data from NBS 1779 -4103445 Value withdrawals 90 days post Value withdrawals 90 days post Value withdrawals 90 days post Value withdrawals 90 days post Value withdrawals 90 days post Admin data from NBS 1779 -1836945 Value withdrawals 21 days post Value withdrawals 21 days post Value withdrawals 21 days post Value withdrawals 21 days post Value withdrawals 21 days post Admin data from NBS 1779 -321000 Value withdrawals 14 days post Value withdrawals 14 days post Value withdrawals 14 days post Value withdrawals 14 days post Value withdrawals 14 days post Admin data from NBS 1779 -223020 Value withdrawals 7 days post Value withdrawals 7 days post Value withdrawals 7 days post Value withdrawals 7 days post Value withdrawals 7 days post Admin data from NBS 1779 -165000 Value withdrawals 3 days post Value withdrawals 3 days post Value withdrawals 3 days post Value withdrawals 3 days post Value withdrawals 3 days post Admin data from NBS 1779 -165000 Value withdrawals 1 days post Value withdrawals 1 days post Value withdrawals 1 days post Value withdrawals 1 days post Value withdrawals 1 days post Admin data from NBS 1779 -165000 Value withdrawals 0 days post Value withdrawals 0 days post Value withdrawals 0 days post Value withdrawals 0 days post Value withdrawals 0 days post Admin data from NBS 1779 -100000 Value net deposits 270 days post Value net deposits 270 days post Value net deposits 270 days post Value net deposits 270 days post Value net deposits 270 days post Admin data from NBS 1779 -158658.687 185000 Value net deposits 180 days post Value net deposits 180 days post Value net deposits 180 days post Value net deposits 180 days post Value net deposits 180 days post Admin data from NBS 1779 -159000 153270 Value net deposits 90 days post Value net deposits 90 days post Value net deposits 90 days post Value net deposits 90 days post Value net deposits 90 days post Admin data from NBS 1779 -161198 100000 Value net deposits 21 days post Value net deposits 21 days post Value net deposits 21 days post Value net deposits 21 days post Value net deposits 21 days post Admin data from NBS 1779 -63770 303400 Value net deposits 14 days post Value net deposits 14 days post Value net deposits 14 days post Value net deposits 14 days post Value net deposits 14 days post Admin data from NBS 1779 -40000 336100 Value net deposits 7 days post Value net deposits 7 days post Value net deposits 7 days post Value net deposits 7 days post Value net deposits 7 days post Admin data from NBS 1779 -25000 65000 Value net deposits 3 days post Value net deposits 3 days post Value net deposits 3 days post Value net deposits 3 days post Value net deposits 3 days post Admin data from NBS 1779 -90000 107000 Value net deposits 1 days post Value net deposits 1 days post Value net deposits 1 days post Value net deposits 1 days post Value net deposits 1 days post Admin data from NBS 1779 -140000 41040.262 Value net deposits 0 days post Value net deposits 0 days post Value net deposits 0 days post Value net deposits 0 days post Value net deposits 0 days post Admin data from NBS 1779 -75000 41040.262