| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w28611 |
| 来源ID | Working Paper 28611 |
| Pay Me Later: Savings Constraints and the Demand for Deferred Payments | |
| Lasse Brune; Eric Chyn; Jason T. Kerwin | |
| 发表日期 | 2021-03-29 |
| 出版年 | 2021 |
| 语种 | 英语 |
| 摘要 | We study a simple savings scheme that allows workers to defer receipt of part of their wages for three months at zero interest. The scheme significantly increases savings during the deferral period, leading to higher post-disbursement spending on lumpy goods. Two years later, after two additional rounds of the savings scheme, we find that treated workers have made permanent improvements to their homes. The popularity of the scheme implies a lack of good alternative savings options. The results of a follow-up experiment suggest that demand for the scheme is partly due to its ability to address self-control issues. |
| 主题 | Microeconomics ; Households and Firms ; Behavioral Economics ; Labor Economics ; Labor Supply and Demand ; Labor Compensation ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w28611 |
| 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/586284 |
| 推荐引用方式 GB/T 7714 | Lasse Brune,Eric Chyn,Jason T. Kerwin. Pay Me Later: Savings Constraints and the Demand for Deferred Payments. 2021. |
| 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 | ||
| w28611.pdf（864KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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