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来源类型Working Paper
规范类型报告
DOI10.3386/w28611
来源IDWorking 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
URLhttps://www.nber.org/papers/w28611
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/586284
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GB/T 7714
Lasse Brune,Eric Chyn,Jason T. Kerwin. Pay Me Later: Savings Constraints and the Demand for Deferred Payments. 2021.
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