provide a truly new conduit that could be used to facilitate the flow of savings into banks. We test this premise by … that there are moderate percentage increases in savings deposits with the partner institution and formal banks more … generally, but no change in overall savings deposits. When the transaction costs are completely removed, only 26 percent of …

The world's poor are seeing a rapid expansion in access to formal savings accounts. What is the source of savings when … each week. We find that the headwaters of formal savings lie in sacrificed leisure time: households work more, and improved … savings options generate an increase in labor effort in both self-employment and in the wage market. The results suggest that …

provide a truly new conduit that could be used to facilitate the flow of savings into banks. We test this premise by … that there are moderate percentage increases in savings deposits with the partner institution and formal banks more … generally, but no change in overall savings deposits. When the transaction costs are completely removed, only 26 percent of …