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The authors thank colleagues at the D2D Fund, Howell Jackson, Anna Lusardi, Olivia Mitchell and
Mike Orszag for beneficial discussions and for their help in conducting the research on which this
pap...
This paper presents the results of a laboratory experiment designed to investigate whether the option of a Prize Linked Savings (PLS) product alters the likelihood that subjects choose to delay paymen...
Facilitating Savings for Agriculture: Field Experimental Evidence from Malawi
savings agriculture Africa
2015/9/18
We implemented a randomized intervention among Malawian farmers aimed at
facilitating formal savings for agricultural inputs. Treated farmers were offered the
opportunity to have their cash crop har...
The Effect of Savings Accounts on Interpersonal Financial Relationships: Evidence from a Field Experiment in Rural Kenya
fi nancial access spillovers social insurance
2015/7/17
The welfare impact of expanding access to bank accounts depends on whether accounts crowd out pre-existing financial relationships, or whether private gains from accounts are shared within socia...
A Review of Commitment Savings Products in Developing Countries
Saving Developing Countries and Economies Financial Instruments
2015/5/13
After Michael Porter's seminal work on clusters and competitiveness published around 1990, cluster initiatives (CIs) have become a central feature of microeconomic policy around the world. CIs add a n...
Testing Savings Product Innovations Using an Experimental Methodology
Saving Financial Instruments Innovation and Invention
2015/5/13
This review presents an overview of the current research on clusters and cluster-based economic development. It is organized in three parts: First, it takes a look at the conceptual foundations of the...
SEED:A Commitment Savings Product in the Philippines
Saving Financial Instruments Philippines
2015/5/13
SEED:A Commitment Savings Product in the Philippines.
Savings in Transnational Households:A Field Experiment Among Migrants from El Salvador
Migration Remittances Intrahousehold Allocation Savings Immigration Diasporas
2015/4/29
While remittance flows to developing countries are very large, it is unknown whether migrants desire more control over how remittances are used. This research uses a randomized field experiment to inv...
Does Front-Loading Taxation Increase Savings?: Evidence from Roth 401(k) Introductions
Saving Taxation Retirement
2015/4/28
Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions are not tax-deductible in the contribution year, but withdrawals in retirement a...
Saving More to Borrow Less:Experimental Evidence from Access to Formal Savings Accounts in Chile
Saving Poverty Borrowing and Debt Chile
2015/4/28
Poverty is often characterized not only by low and unstable income, but also by heavy debt burdens. We find that reducing barriers to saving through access to free savings accounts decreases participa...
Female Empowerment: Impact of a Commitment Savings Product in the Philippines
Saving Microfinance Personal Finance Decision Making Microeconomics Gender Characteristics Power and Influence Philippines
2015/4/23
Female "empowerment" has increasingly become a policy goal, both as an end to itself and as a means to achieving other development goals. Microfinance in particular has often been argued, but not with...
Consumer Demand for Prize-Linked Savings: A Preliminary Analysis
Saving Income Characteristics Consumer Behavior Personal Finance Investment Return Banks and Banking Clarksville
2015/4/22
This paper reports on a small-scale survey of the potential American demand for prize-linked savings accounts, an account that awards prizes as part of the saving product's return. In October 2006, Ce...
Just Keep My Money! Supporting Tax-time Savings with U.S. Savings Bonds
Household Characteristics Income Characteristics Bonds Investment
2015/4/21
This paper reports the results of a 2007 experiment testing if specific process simplification can foster increased take-up rates for savings products, particularly by low-to-moderate income (LMI) hou...
The 'Fees → Savings' Link,or Purchasing Fifty Pounds of Pasta
Price Profit Spending Consumer Behavior Retail Industry
2015/4/20
Many consumers have had the experience of entering discount membership clubs to make a few purchases, only to leave with enough pasta to outlast a nuclear winter. We suggest that the presence of membe...
Tax-Free Savings Accounts – Shifting Opportunity
Tax-Free Savings Accounts Shifting Opportunity
2014/8/5
Effective January 2, 2009, the government of Canada introduced a new saving instrument for Canadian residents, 18 years or older1– the Tax-Free Savings Account (TFSA). This savings incentive has been ...