Sebastian Galiani, P. Gertler, Camila Navajas Ahumada
{"title":"金融机构中的信任与储蓄","authors":"Sebastian Galiani, P. Gertler, Camila Navajas Ahumada","doi":"10.2139/ssrn.3542953","DOIUrl":null,"url":null,"abstract":"We randomly assigned beneficiaries of a conditional cash transfer program in Peru to attend a 3 hour training session designed to build their trust in financial institutions. We find that the intervention: (a) significantly increased trust in banks, but had no effect on financial literacy; (b) significantly increased savings over a ten month period, and (c) had no effect of the use of accounts for transactions. The increase in savings is a 1.6 percentage point increase in the savings rate out of the cash transfer depostis, and a 0.5 percentage point increase in the savings rate out of household income.","PeriodicalId":105668,"journal":{"name":"Development Economics: Regional & Country Studies eJournal","volume":"44 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2020-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"13","resultStr":"{\"title\":\"Trust and Saving in Financial Institutions\",\"authors\":\"Sebastian Galiani, P. Gertler, Camila Navajas Ahumada\",\"doi\":\"10.2139/ssrn.3542953\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"We randomly assigned beneficiaries of a conditional cash transfer program in Peru to attend a 3 hour training session designed to build their trust in financial institutions. We find that the intervention: (a) significantly increased trust in banks, but had no effect on financial literacy; (b) significantly increased savings over a ten month period, and (c) had no effect of the use of accounts for transactions. The increase in savings is a 1.6 percentage point increase in the savings rate out of the cash transfer depostis, and a 0.5 percentage point increase in the savings rate out of household income.\",\"PeriodicalId\":105668,\"journal\":{\"name\":\"Development Economics: Regional & Country Studies eJournal\",\"volume\":\"44 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2020-02-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"13\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Development Economics: Regional & Country Studies eJournal\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.3542953\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Development Economics: Regional & Country Studies eJournal","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.3542953","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
We randomly assigned beneficiaries of a conditional cash transfer program in Peru to attend a 3 hour training session designed to build their trust in financial institutions. We find that the intervention: (a) significantly increased trust in banks, but had no effect on financial literacy; (b) significantly increased savings over a ten month period, and (c) had no effect of the use of accounts for transactions. The increase in savings is a 1.6 percentage point increase in the savings rate out of the cash transfer depostis, and a 0.5 percentage point increase in the savings rate out of household income.
京公网安备 11010802042870号
京ICP备2023020795号-1
分享
求助内容：
应助结果提醒方式：
扫码关注我们
