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

"temptation" spending unaffected or reduced. However, we found that promotion of savings lockboxes in a largely autarkic society …

monthly deposits for them were at the 79th, 91st, and 96th percentiles of baseline savings. Survey data show no clearly … discernible intention-to-treat effects on savings or any downstream outcomes. This suggests that policies merely focused on …

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 …

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

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 …

. Using a school-based commitment savings program for educational expenses in Uganda, we compare an account fully-committed to … commitment generates higher account savings, and when combined with a parental outreach generates higher educational supplies …