全球智库信息集成服务系统(G2TT): DP15392 Does lasting behavior change require knowledge change? Evidence from savings interventions for young adults

G2TT

来源类型	Discussion paper
规范类型	论文
来源ID	DP15392
	DP15392 Does lasting behavior change require knowledge change? Evidence from savings interventions for young adults
	Samantha Horn; Julian C. Jamison; Dean Karlan; Jonathan Zinman
发表日期	2020-10-20
出版年	2020
语种	英语
摘要	Is financial knowledge change necessary for lasting behavior change? Or, akin to Friedman’s billiard player, can behavior persist 'as if' such knowledge is held? We randomize 240 Ugandan young-adult clubs to financial education, savings account access, both, or neither. Each education arm, but not the account-only arm, increases members’ financial knowledge and trust at one-year. At five-years, knowledge effects essentially disappear and trust effects weaken. However, savings, wealth and income increase for each treatment at both one and five years, suggesting multiple viable paths to statistically indistinguishable average outcomes and that textbook knowledge change is unnecessary for lasting impacts.
主题	Development Economics ; Labour Economics
关键词	Financial education Financial literacy Financial access Savings
URL	https://cepr.org/publications/dp15392-1
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/544377
推荐引用方式 GB/T 7714	Samantha Horn,Julian C. Jamison,Dean Karlan,et al. DP15392 Does lasting behavior change require knowledge change? Evidence from savings interventions for young adults. 2020.