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

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 …

In an overlapping generations model, rents to human capital play a key role in increasing savings. In the absence of … because it allows inframarginal workers to earn rents on their human capital, which then increase savings. Public education is …