Banking the Unbanked? Evidence from Three Countries

被引：106

作者：

Dupas, Pascaline ^{[1
,2
]}

Karlan, Dean ^{[2
,3
,4
]}

Robinson, Jonathan ^{[2
,5
]}

Ubfal, Diego ^{[6
,7
,8
]}

机构：

[1] Stanford Univ, Econ Dept, 579 Serra Mall, Stanford, CA 94305 USA

[2] NBER, Cambridge, MA 02138 USA

[3] Yale Univ, Econ Dept, POB 208269, New Haven, CT 06520 USA

[4] J PAL, IPA, Cambridge, MA USA

[5] Univ Calif Santa Cruz, Econ Dept, 457 Engn 2, Santa Cruz, CA 95064 USA

[6] Bocconi Univ, Econ Dept, Via Roentgen 1, I-20136 Milan, Italy

[7] IZA, IGIER, Bonn, Germany

[8] LEAP, Berlin, Germany

来源：

AMERICAN ECONOMIC JOURNAL-APPLIED ECONOMICS | 2018年 / 10卷 / 02期

基金：

美国国家科学基金会;

关键词：

SAVINGS; FINANCE; IMPACT; SERVICES; ACCESS; MONEY; POOR;

D O I：

10.1257/app.20160597

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

We expertmentally test the impact of expanding access to basic bank accounts in Uganda. Malawi, and Chile. Over two years, 17, 10, and 3 percent of treatment individuals made five or more deposits, respectively. Average monthly deposits in treatment accounts were sizable among users, corresponding to the seventy-ninth, ninety-first, and ninety-sixth percentiles of baseline savings. Survey data show no discernible intention-to-treat effects on savings or any downstream outcomes, though we cannot reject large effect sizes for active users. Results suggest that policies merely focused on expanding access to basic accounts are unlikely to improve welfare noticeably on average.

引用

页码：257 / 297

页数：41

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