The Interplay Among Savings Accounts and Network-Based Financial Arrangements: Evidence from a Field Experiment
Margherita Comola
(1, 2)
,
Silvia Prina
(3)
Margherita Comola
- Fonction : Auteur
- PersonId : 1287423
- IdHAL : margherita-comola
- ORCID : 0000-0001-6836-1759
- IdRef : 224716387
Résumé
This paper studies how formal financial access affects network-based financial arrangements. We use a field experiment that granted access to a savings account to a random subset of households in 19 Nepalese villages. Exploiting a unique panel dataset that follows all bilateral informal financial transactions before and after the intervention, we show that households that were offered access to an account increased their loans and total transfers to others, independent of the treatment status of the receiver. The increase seemed to be driven by treatment households with more assets and greater financial inclusion at baseline.
Domaines
Economies et financesFormat du dépôt | Notice |
---|---|
Type de dépôt | Article dans une revue |
Titre |
en
The Interplay Among Savings Accounts and Network-Based Financial Arrangements: Evidence from a Field Experiment
|
Résumé |
en
This paper studies how formal financial access affects network-based financial arrangements. We use a field experiment that granted access to a savings account to a random subset of households in 19 Nepalese villages. Exploiting a unique panel dataset that follows all bilateral informal financial transactions before and after the intervention, we show that households that were offered access to an account increased their loans and total transfers to others, independent of the treatment status of the receiver. The increase seemed to be driven by treatment households with more assets and greater financial inclusion at baseline.
|
Auteur(s) |
Margherita Comola
1, 2
, Silvia Prina
3
1
PSE -
Paris School of Economics
( 301309 )
- 48 boulevard Jourdan 75014 Paris
- France
2
PJSE -
Paris Jourdan Sciences Economiques
( 578027 )
- 48 boulevard Jourdan 75014 Paris
- France
3
Northeastern University [Boston]
( 29479 )
- 360 Huntington Ave., Boston, Massachusetts 02115
- États-Unis
|
Langue du document |
Anglais
|
Nom de la revue |
|
Vulgarisation |
Non
|
Comité de lecture |
Oui
|
Audience |
Internationale
|
Date de publication |
2023-01
|
Volume |
133
|
Numéro |
649
|
Page/Identifiant |
516-535
|
Public visé |
Scientifique
|
Domaine(s) |
|
DOI | 10.1093/ej/ueac053 |
UT key WOS | 000863472200001 |
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