| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w29542 |
| 来源ID | Working Paper 29542 |
| Unlocking the Benefits of Credit through Saving | |
| Sanghamitra W. Mukherjee; Lauren F. Bergquist; Marshall Burke; Edward Miguel | |
| 发表日期 | 2021-12-06 |
| 出版年 | 2021 |
| 语种 | 英语 |
| 摘要 | Access to microcredit has been shown to generate only modest average benefits for recipient households. We study whether other financial market frictions—in particular, lack of access to a safe place to save—might limit credit's benefits. Working with Kenyan farmers, we cross-randomize access to a simple savings product with a harvest-time loan. Among farmers offered a loan, the additional offer of a savings lockbox increased farm investment by 11% and household consumption by 7%. Results suggest that financial market frictions can interact in important ways and that multifaceted financial access programs might unlock dynamic household gains. |
| 主题 | Financial Economics ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w29542 |
| 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/587216 |
| 推荐引用方式 GB/T 7714 | Sanghamitra W. Mukherjee,Lauren F. Bergquist,Marshall Burke,et al. Unlocking the Benefits of Credit through Saving. 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 | ||
| w29542.pdf（630KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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