全球智库信息集成服务系统(G2TT): DP9979 Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs

G2TT

来源类型	Discussion paper
规范类型	论文
来源ID	DP9979
	DP9979 Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs
	Jonathan Zinman; Dean Karlan; Julian C. Jamison
发表日期	2014-05-18
出版年	2014
语种	英语
摘要	Evidence on the effectiveness of financial education and formal savings account access is lacking, particularly for youth. We randomly assign 250 youth clubs to receive either financial education, access to a cheap group account, or both. The financial education treatments increase financial literacy; the account-only treatment does not. Administrative data 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 little evidence that education and account access are strong complements, and some evidence they are substitutes.
主题	Development Economics ; Financial Economics ; Labour Economics
关键词	Financial access Financial education Financial literacy Microsaving Savings Youth savings
URL	https://cepr.org/publications/dp9979
来源智库	Centre for Economic Policy Research (United Kingdom)
资源类型	智库出版物
条目标识符	http://119.78.100.153/handle/2XGU8XDN/538812
推荐引用方式 GB/T 7714	Jonathan Zinman,Dean Karlan,Julian C. Jamison. DP9979 Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs. 2014.