. Working with Kenyan farmers, we cross-randomize access to a simple savings product with a harvest-time loan. Among farmers … offered a loan, the additional offer of a savings lockbox increased farm investment by 11% and household consumption by 7 …

We examine six alternative plans which might be discussed in an effort to increase consumer savings through the … personal income tax system in the United States. These plans attempt to affect savings through an increase in the real rate of … return either by direct tax cuts on savings or by indexing tax rates against inflation. The paper presents estimates of …

Seeking to reach the unbanked, the United States Postal Savings System provided a federally insured savings alternative …s. However, even during the earliest period, Postal Savings was only a partial substitute for traditional banks, as … locations with banks often still heavily used postal savings …

Substantial evidence suggests that savings behavior may depart from neoclassical optimization. This article examines … the implications of raising the savings rate - whether through social security, retirement plans, or otherwise - for labor … savings behavior. Under one formulation, raising the targeted savings rate has the same effect on labor supply as that of …

The high and rising household savings rate in China is not easily reconciled with the traditional explanations that … new competitive saving motive: As the sex ratio rises, Chinese parents with a son raise their savings in a competitive … manner in order to improve their son's relative attractiveness for marriage. The pressure on savings spills over to other …

This paper examines the incentives created by the 529 and Coverdell tax-advantaged savings accounts. I find that the … intensifies the positive correlation between income and the advantages of the tax-advantaged college savings accounts …