and junior high schools in Ghana. One program integrated financial and social education, whereas the second program only … 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 …

and junior high schools in Ghana. One program integrated financial and social education, whereas the second program only … 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 …

to accounts is increasing, use of accounts remains low. This micro-level study considers the transactions and savings … components of financial inclusion, and investigates the factors affecting use of regulated savings accounts by individuals in … Ghana. It investigates, for the first time on a single country national dataset, the five sets of constraints on use of …