women. Here, using a randomized controlled trial, we examine whether access to an individually-held commitment savings …

expenditure. We find support for these predictions in three field experiments that randomly assign reminders to new savings …

Evidence on the effectiveness of financial education and formal savings account access is lacking, particularly for … shows the education plus account treatment increases bank savings relative to account-only. But survey-measured total … savings shows roughly equal increases across all treatment arms. Earned income also increases in all treatment arms. We find …

High transaction and contracting costs are often thought to create credit and savings market failures in developing … improved “technology” for managing informal, collaborative village-based savings groups. Such groups allow, in theory, for more … efficient and lower-cost loans and informal savings, and in practice have been scaled up by international non …

, weaker restrictions may be a more effective means of changing behavior. We test this using a school-based commitment savings … which savings are available for cash withdrawal but intended for educational expenses. The weaker commitment generates … increased savings in the program accounts and when combined with a parent outreach program, higher expenditures on educational …

offered financial education. Both programs included a voluntary after-school savings club that provided students with a locked … money box. After nine months, both programs had significant impacts on savings behavior relative to the control group …, mostly because children moved savings from home to school. We observed few other impacts. We do find that financial education …