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Formal saving in developing economies : barriers, interventions, and effects

Di Giannatale, Sonia; Roa, María José - 2016

This paper discusses the determinants of and the barriers to formal saving both from the theoretical point of view and … levels. It presents a comprehensive review of the literature based on a detailed classification of the barriers associated … with supply-side factors related to access to financial products and demand-side barriers, related to the use, and …

Persistent link: https://www.econbiz.de/10011588558

The Interplay Among Savings Accounts and Network-Based Financial Arrangements : Evidence from a Field Experiment

Comola, Margherita; Prina, Silvia - 2023

This paper studies how formal financial access affects network-based financial arrangements. We use a field experiment that granted access to a savings account to a random subset of households in 19 Nepalese villages. Exploiting a unique panel dataset that follows all bilateral informal...

Persistent link: https://www.econbiz.de/10014349666

The interplay among savings accounts and network-based financial arrangements : evidence from a field experiment

Comola, Margherita; Prina, Silvia - 2023

Persistent link: https://www.econbiz.de/10014311943

Saving by default : evidence from a field experiment in rural India

Somville, Vincent; Vandewalle, Lore - 2015

A growing share of the world population is getting access to a formal bank account. This allows a move from cash to account based payments. Grounding our hypothesis in behavioral economics, we conjecture that being paid on an account instead of in cash can play a major role in encouraging...

Persistent link: https://www.econbiz.de/10010493502

Saving by default : evidence from a field experiment in rural India

Somville, Vincent; Vandewalle, Lore - 2016

Worldwide, people are gaining access to a formal bank account, which allows account-based instead of cash payments. Based on a novel randomized control trial, we document that the payment method is an important determinant of savings behavior. In rural India, we study the effect on savings of...

Persistent link: https://www.econbiz.de/10011456012

Banking the unbanked? : evidence from three countries

Karlan, Dean; Dupas, Pascaline; Robinson, Jonathan; … - 2016

We experimentally test the impact of expanding access to basic bank accounts in Uganda, Malawi, and Chile. Over two years, 17%, 10%, and 3% of treatment individuals made five or more deposits, respectively. Average monthly deposits for them were at the 79th, 91st, and 96th percentiles of...

Persistent link: https://www.econbiz.de/10011516848

Banking the Unbanked : Evidence from Three Countries

Dupas, Pascaline - 2016

We experimentally test the impact of expanding access to basic bank accounts in Uganda, Malawi, and Chile. Over two years, 17 percent, 10 percent, and 3 percent of treatment individuals made five or more deposits, respectively. Average monthly deposits for them were at the 79th, 91st, and 96th...

Persistent link: https://www.econbiz.de/10012977735

Banking the Unbanked? Evidence from Three Countries

Karlan, Dean - 2016

Persistent link: https://www.econbiz.de/10012986153

Demand factors that influence financial inclusion in Mexico: analysis of the barriers based on the ENIF survey

Hoyo, Carmen; Pena, Ximena; Tuesta, David - BBVA Research, Grupo BBVA - 2013

financial system means the existence of demand barriers that have not been explored fully so far. Thanks to the interest of the … to use formal saving or credit financial services in Mexico. According to our analysis, the insufficiency or variability … of income and self-exclusion are the most important barriers in the Mexican market. They are influenced by three types of …

Persistent link: https://www.econbiz.de/10010784838

Financial inclusion and financial literacy in Kazakhstan

Kapparov, Kassymkhan - 2018

systematic and wide-scale financial inclusion strategy or policy. This paper discusses key barriers to financial inclusion and …

Persistent link: https://www.econbiz.de/10011913465