| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w20736 |
| 来源ID | Working Paper 20736 |
| What are the Headwaters of Formal Savings? Experimental Evidence from Sri Lanka | |
| Michael Callen; Suresh De Mel; Craig McIntosh; Christopher Woodruff | |
| 发表日期 | 2014-12-08 |
| 出版年 | 2014 |
| 语种 | 英语 |
| 摘要 | The world’s poor are seeing a rapid expansion in access to formal savings accounts. What is the source of savings when households are connected to a formal account? We combine a high-frequency panel survey spanning two and a half years with an experiment in which a Sri Lankan bank used mobile Point-of-Service (POS) terminals to collect deposits directly from households each week. We find that the headwaters of formal savings lie in sacrificed leisure time: households work more, and improved savings options generate an increase in labor effort in both self-employment and in the wage market. The results suggest that the labor allocation channel is an important mechanism linking savings opportunities to income. |
| 主题 | Microeconomics ; Households and Firms ; Financial Economics ; Financial Institutions ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w20736 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/578411 |
| 推荐引用方式 GB/T 7714 | Michael Callen,Suresh De Mel,Craig McIntosh,et al. What are the Headwaters of Formal Savings? Experimental Evidence from Sri Lanka. 2014. |
| 条目包含的文件 | 条目无相关文件。 | |||||
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