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The Persistent Power of Behavioral Change: Long-Run Impacts of Temporary Savings Subsidies for the Poor

Harvard Dataverse (Africa Rice Center, Bioversity International, CCAFS, CIAT, IFPRI, IRRI and WorldFish)

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Title The Persistent Power of Behavioral Change: Long-Run Impacts of Temporary Savings Subsidies for the Poor
 
Identifier https://doi.org/10.7910/DVN/OXKJ92
 
Creator Schaner, Simone
 
Publisher Harvard Dataverse
 
Description I use a field experiment in rural Kenya to study how temporary incentives to save impact long-run economic outcomes. Study participants randomly selected to receive large temporary interest rates on an individual bank account had significantly more income and assets 2.5 years after the interest rates expired. These changes are much larger than the short-run impacts on experimental bank account use and almost entirely driven by growth in entrepreneurship. Temporary Interest rates directed to joint bank accounts had no detectable long-run impacts on entrepreneurship or income, but increased investment in household public goods and spousal consensus over finances.
 
Subject Social Sciences
 
Contributor Rubio, Karl