performance of businesses. Regression analysis shows that the use of credit savings and loan cooperatives can have a positive … currently arising is that cooperatives have started to lose the principles of kinship, especially savings and loan cooperatives … study wants to identify the effect of savings and loan cooperatives in improving people's welfare and increasing the …

reminders may increase saving, and that reminders will be more effective when they increase the salience of a specific … expenditure. We find support for these predictions in three field experiments that randomly assign reminders to new savings … account holders. -- Intertemporal consumer choice ; savings ; attention …