| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w23590 |
| 来源ID | Working Paper 23590 |
| Why Do Defaults Affect Behavior? Experimental Evidence from Afghanistan | |
| Joshua Blumenstock; Michael Callen; Tarek Ghani | |
| 发表日期 | 2017-07-17 |
| 出版年 | 2017 |
| 语种 | 英语 |
| 摘要 | We report on an experiment examining why default options impact behavior. By randomly assigning employees to different varieties of a salary-linked savings account, we find that default enrollment increases participation by 40 percentage points—an effect equivalent to providing a 50% matching incentive. We then use a series of experimental interventions to differentiate between explanations for the default effect, which we conclude is driven largely by present-biased preferences and the cognitive cost of thinking through different savings scenarios. Default assignment also changes employees' attitudes toward saving, and makes them more likely to actively decide to save after the study concludes. |
| 主题 | Microeconomics ; Households and Firms ; Behavioral Economics ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w23590 |
| 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/581264 |
| 推荐引用方式 GB/T 7714 | Joshua Blumenstock,Michael Callen,Tarek Ghani. Why Do Defaults Affect Behavior? Experimental Evidence from Afghanistan. 2017. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w23590.pdf（1016KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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