This paper presents results from a field experiment designed to test whether savings constraints prevent the self …-employed from increasing the size of their businesses. We opened interest-free savings accounts in a local village bank in rural … Kenya for a randomly selected sample of poor daily income earners (such as market vendors), and collected a unique dataset …

This paper presents results from a field experiment designed to test whether savings constraints prevent the self …-employed from increasing the size of their businesses. We opened interest-free savings accounts in a local village bank in rural … Kenya for a randomly selected sample of poor daily income earners (such as market vendors), and collected a unique dataset …

Does limited access to formal savings services impede business growth in poor countries? To shed light on this question …, we randomized access to non-interest-bearing bank accounts among two types of self-employed individuals in rural Kenya … expenditures. We see no impact for bicycle-taxi drivers. These results imply significant barriers to savings and investment for …

This paper presents results from a field experiment designed to test whether savings constraints prevent the self …-employed from increasing the size of their businesses. We opened interest-free savings accounts in a local village bank in rural … Kenya for a randomly selected sample of poor daily income earners (such as market vendors), and collected a unique dataset …