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Employer-Based Short-Term Savings Accounts

Holmes Berk, Sarah; Beshears, John; Garg, Jay; Choi, … - National Bureau of Economic Research - 2024

We study the introduction of a choice architecture design intended to increase short-term savings among employees at … from each paycheck into a short-term savings account from which withdrawals are possible at any time. We find that … very low: no more than 0.7% of eligible employees ever activated an account. Opt-in access to short-term savings programs …

Persistent link: https://www.econbiz.de/10014468274

Bank-branch supply, financial inclusion, and wealth accumulation

Célérier, Claire; Matray, Adrien - In: The review of financial studies 32 (2019) 12, pp. 4767-4809

Persistent link: https://www.econbiz.de/10012135503

Distinguishing constraints on financial inclusion and their impact on GDP and inequality

Dabla-Norris, Era; Ji, Yan; Townsend, Robert M.; Unsal, … - 2014

Persistent link: https://www.econbiz.de/10010481919

Supplement to 'Distinguishing Constraints on Financial Inclusion and Their Impact on GDP, TFP, and The Distribution of Income'

Dabla-Norris, Era - 2020

This is the supplemental material to the paper titled "Distinguishing Constraints on Financial Inclusion and Their Impact on GDP, TFP, and The Distribution of Income." It includes additional theoretical and quantitative results. It also includes illustration for the numerical algorithm for our...

Persistent link: https://www.econbiz.de/10012844703

Distinguishing constraints on financial inclusion and their impact on GDP and inequality

Dabla-Norris, Era; Ji, Yan; Townsend, Robert M.; Unsal, … - 2017

Persistent link: https://www.econbiz.de/10011621699

Distinguishing Constraints on Financial Inclusion and Their Impact on GDP, TFP, and Inequality

Dabla-Norris, Era - 2015

We develop a micro-founded general equilibrium model with heterogeneous agents and three dimensions of financial inclusion: access (determined by a participation cost), depth (determined by a borrowing constraint), and intermediation efficiency (determined by a monitoring cost). We find that the...

Persistent link: https://www.econbiz.de/10012457845

Distinguishing Constraints on Financial Inclusion and Their Impact on GDP, TFP, and the Distribution of Income

Dabla-Norris, Era - 2020

A general equilibrium model featuring multiple realistic sources of financial frictions is developed to study how different constraints interact in equilibrium. We highlight, distinguish, and evaluate their differential impacts and rich interactions. The economic impact of financial inclusion...

Persistent link: https://www.econbiz.de/10012846881

Distinguishing Constraints on Financial Inclusion and Their Impact on GDP, TFP, and the Distribution of Income

Dabla-Norris, Era - 2015

Persistent link: https://www.econbiz.de/10013030631

Private pension system in Turkey: a new form of the old story

Akyüz, Ferhat - In: Labour in Turkey : economic, political and social …, (pp. 187-201). 2020

Persistent link: https://www.econbiz.de/10012385120

Quantile treatment effects of Riester participation on wealth

Ihle, Dorothee - 2017

In numerous industrialized countries the demographic change erodes the financial basis of traditional pay-as-you-go pension systems. To compensate for decreasing statutory pensions, many governments incentivize private saving by means of subsidized retirement plans. In this context, Germany...

Persistent link: https://www.econbiz.de/10011695521