higher repayment and higher savings. Furthermore, I observe direct evidence that relationships deteriorate after default, and …

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 …

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

black wealth models. Our analysis of growth models of wealth suggests that differences in savings behavior and/or rates of …

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

We designed a commitment savings product for a Philippine bank and implemented it using a randomized control … methodology. The savings product was intended for individuals who want to commit now to restrict access to their savings, and who … for commitment, were indeed significantly more likely to open the commitment savings account. After twelve months, average …

Commitment devices for savings could benefit those with self-control as well as familial or spousal control issues. We … find evidence to support both motivations. We examine the impact of a commitment savings product in the Philippines on … household decision making power and self-perception of savings behavior, as well as actual savings. The product leads to more …

sets of constraints that may hinder the adoption and effective usage of savings products and services by the poor …

We use unique data characterizing individual Savings for twins and non-twins in urban China to examine why the savings … inter-generational co-residence masks the true life-cycle patterns of individual savings in standard Chinese household data … sets, which are aggregated at the household level. Moreover, we show that to understand life-cycle Savings behavior it is …