面向乌干达青年的小组金融教育与储蓄促进的五年影响
Five-Year Impacts of Group-Based Financial Education and Savings Promotion for Ugandan Youth
Review of Economics and Statistics · 2023 · [{"name": "Samantha Horn", "affiliation": ["University of Chicago", "Carnegie Mellon University"]}, {"name": "Julian Jamison", "affiliation": ["University of Exeter"]}, {"name": "Dean Karlan", "affiliation": ["Kellogg's (Canada)"]}, {"name": "Jonathan Zinman", "affiliation": ["Dartmouth College", "Dartmouth Hospital"]}]
中文摘要
摘要 我们通过实验评估了面向乌干达青年小组成员的小组金融教育、储蓄账户获取渠道，或两者兼施的效果。我们利用一年期和五年期终线家庭调查衡量短期和长期影响。金融教育（而非账户获取）在一年时提高了测得的金融知识和信任度。五年后，知识效应基本消失，信任效应减弱。然而，在两次终线调查中，各项处理下的储蓄和收入均有所增加；鉴于干预成本低、且第二次终线调查的时间跨度较长，这一点值得注意。在探讨潜在机制时，我们发现的证据与行为改变和结果改善的多条路径相一致。
Abstract
Abstract We experimentally evaluate group-based financial education, savings account access, or both for members of Ugandan youth groups. We measure both short- and long-run impacts with one- and five-year endline household surveys. Education, but not account access, increases measured financial knowledge and trust at one year. At five years, knowledge effects essentially disappear, and trust effects weaken. However, savings and income increase for each treatment at both endlines, which is noteworthy given the interventions’ low cost and the long time horizon of our second endline. Exploring potential mechanisms, we find evidence consistent with multiple pathways to behavior change and outcome improvement.