fail to find effects on either access to short-term credit or expenditure or savings. …

choices in practice. We draw on a cluster randomized controlled trial in rural India to test predictions from a theoretical …

When consumption of water and other utilities is measured collectively and payment for such services is equally shared … installation of individual meters affects water consumption. Using rich administrative data from the public water utility company … in Quito, Ecuador, it is estimated that water consumption decreases by about 8% as a result of the introduction of …

investment was financed via private capital inflows. That said, foreign savings are not a good substitute for domestic savings … over the deficit episode and its aftermath, growth is slower than when countries rely on domestic savings. The paper … concludes that financing growth and investment out of foreign savings, while not impossible, is risky. …

agricultural activities. Access to savings groups also leads to a four-percentage point increase in access to credit among women …This paper evaluates the impact of the introduction of savings groups on poverty, vulnerability, and financial …, we investigate the impact of savings groups after more than two years of exposure. We find t hat savings groups channel …

sizable positive impacts on self-control and consumption habits among students are identified. Teachers in the treatment group …

with credit constraints. Saving constraints in the form of fixed costs to use the financial system lead households to seek … informal saving instruments (cash) and result in lower aggregate saving. Credit constraints induce misallocation of capital … model using survey data from a developing country where informal saving and credit constraints are pervasive. Our …