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 savings behavior change? Or, akin to the canonical Friedman billiards 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 financial knowledge and trust in banks at one-year. But at five-years the knowledge effects disappear, and the trust effects diminish. Savings activity, wealth, and income increase at both one-year and five-years for all treatment arms, suggesting that knowledge change is unnecessary for lasting impacts on behavior and outcomes.
主题	Development Economics ; Labour Economics
关键词	Financial education Financial literacy Financial access Savings
URL	https://cepr.org/publications/dp15392
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/544378
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.