local companies on household stock market participation is causal. Even households that did not hold stocks in the …

borrowing and savings at unfavorable interest rates as well as the failure to undertake profitable and easily available …

offered financial education. Both programs included a voluntary after-school savings club that provided students with a locked … money box. After nine months, both programs had significant impacts on savings behavior relative to the control group …, mostly because children moved savings from home to school. We observed few other impacts. We do find that financial education …

Evidence on the effectiveness of financial education and formal savings account access is lacking, particularly for … shows the education plus account treatment increases bank savings relative to account-only. But survey-measured total … savings shows roughly equal increases across all treatment arms. Earned income also increases in all treatment arms. We find …

women. Here, using a randomized controlled trial, we examine whether access to an individually-held commitment savings … product leads to an increase in female decision-making power within the household. We find positive impacts, particularly for …-oriented durables goods purchased in the household. …