in a two-stage randomized field experiment in Kenya. We find that, for a new technology with a lower usage cost than the …

Kenya for a randomly selected sample of poor daily income earners (such as market vendors), and collected a unique dataset … no interest and featured substantial withdrawal fees, take-up and usage was high among women. In addition, we find that … the savings accounts had substantial, positive impacts on productive investment levels and expenditures for women, but had …