The Impact Of Salary Payment Frequency On Consumption Smoothing, Saving And Investment Patterns Of Civil Servants In Ghana

This project investigates the impact of salary payment frequency on the financial behavior and resilience of Ghanaian civil servants. As one of the first studies to explore payment frequency in the public sector, this research aims to test whether more frequent digital payments, combined with tools such as mobile wallets, salary-linked loans, and automatic savings, can enhance liquidity management, savings, and financial inclusion. The study will build on insights from preliminary consultations with teachers and nurses across urban and rural areas to design a pilot evaluation assessing the potential of digital salary systems to enhance financial stability.