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Can financial education delivery be successfully decentralized? This paper studies a large-scale field experiment with 200 Savings and Credit Cooperative Associations (SACCOs) in Rwanda, and tests competing models of local financial education delivery. One-third of SACCOs, randomly selected,...
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Business practices and performance vary widely among local peers. This paper identifies key determinants of such heterogeneity among a sample of small urban retail shops in Indonesia, and experimentally tests whether learning about the best practices of local peers is valuable for business...
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Business survey outcomes for micro and small firms are notoriously noisy, with multiple sources of measurement and recall error. This paper introduces a new survey methodology that combines automatic consistency checks of electronic data collection with triangulation and dynamic adjustment to...
Persistent link: https://www.econbiz.de/10012022347
This paper uses a field experiment in India with multiple financial education treatments to investigate the causal mechanisms between financial education and financial behavior. Focusing on the mediating role of financial literacy, the paper proposes a broader definition of financial knowledge...
Persistent link: https://www.econbiz.de/10011947493
Interest rate caps can have far-reaching consequences on the composition and maturity of commercial bank loans and deposits. This paper carefully documents these impacts on the formal financial sector in Kenya after the recent interest rate caps of 2016. Using bank-level panel data from before...
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Small-scale entrepreneurs are ubiquitous in emerging market economies, yet very few graduate to become larger businesses. This paper asks whether such entrepreneurs aspire to grow and, if so, on which dimensions of the business? What factors influence these aspirations, how realistic are they,...
Persistent link: https://www.econbiz.de/10011850512