We designed a commitment savings product for a Philippine bank and implemented it using a randomized control … methodology. The savings product was intended for individuals who want to commit now to restrict access to their savings, and who … for commitment, were indeed significantly more likely to open the commitment savings account. After twelve months, average …

trial, we find that the program led to substantial reductions in poverty and hardship during the 3 years in which the …

life course, improved questions on income, savings, consumption, and wealth, as well as psychological constructs will play …

In this paper we apply two statistical models to the measurement of polarization to Israeli income data over the past … decade in order to empirically detect income classes as sub-populations of incomes concentrated around an optimal number of … components, consistent with the axioms spelled out by Esteban and Ray (1994): alienation and identification, the number of income …

In this paper we study income polarization by first comparing the efficiency of two statistical models to identify the … number of poles in the income distribution empirically. The statistical models used are a multi-resolution analysis (MRA) and … a log-normal approach (LNA). We then apply the methodology to Israeli income data over the years 1997-2008 in order to …

(based on a poverty threshold of 50 percent of median equivalent income) clearly increased over this period from about 10 … receiving welfare payments was about twice as high as the respective share for the entire population. Poverty head count rates … immigrants and foreigners. On average we find that children in Germany to have lost out in terms of their relative income …

savings (a proxy for time preferences) to BMI; and a primary survey of 885 adults conducted in West Delhi. Using quantile …