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 …

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

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 …

This paper examines the relative savings position of migrant households in West Germany, paying particular attention to …), our findings reveal significant differences in the savings rates between foreign-born and German-born individuals. These … the determinants of immigrants’ savings rates reveal that intended return migration does not only affect remittances, but …

to exist. It also predicts where formal insurance is likely to flourish: insurance groups that hold savings become more … Ethiopian funeral insurance groups and their members to motivate and test our model. Those which hold savings and collect …

-migrant. Although migrants lose their original social networks whilst overseas, savings and human capital accumulation acquired abroad …

a way similar to shocks to earnings. Agents respond to these processes by optimally choosing savings. We show that the … size of savings differs dramatically depending on the details of the stochastic process. The model is quantitative: its …