Arbeitspapier
Access to banking, savings and consumption smoothing in rural India
Access to formal banking is increasing across the world and may transform how people manage their finances. We report from a field experiment that randomly provides access to a bank account to a representative sample of villagers in rural India. The treated respondents save actively into the account and their individual savings increase. There is, however, no signi cant impact on mean household savings nor on average expenditures, income, loans or transfers. Based on weekly data from financial diaries, we show the control households partially smooth consumption through transfers received from others. The treated households smooth consumption (and nutrition) better than the control households, thanks to pro-cyclical saving on the account. The latter result provides an important new insight into the role of banking in low and middle-income countries.
- Sprache
-
Englisch
- Erschienen in
-
Series: Graduate Institute of International and Development Studies Working Paper ; No. HEIDWP09-2019
- Klassifikation
-
Wirtschaft
Field Experiments
Household Saving; Personal Finance
Banks; Depository Institutions; Micro Finance Institutions; Mortgages
Economic Development: Financial Markets; Saving and Capital Investment; Corporate Finance and Governance
Microeconomic Analyses of Economic Development
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Somville, Vincent
Vandewalle, Lore
- Ereignis
-
Veröffentlichung
- (wer)
-
Graduate Institute of International and Development Studies
- (wo)
-
Geneva
- (wann)
-
2019
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:46 MEZ
Datenpartner
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Somville, Vincent
- Vandewalle, Lore
- Graduate Institute of International and Development Studies
Entstanden
- 2019
Ähnliche Objekte (12)
Consumption and income smoothing
Consumption smoothing during unemployment
Consumption and income smoothing
Access to Short-term Credit and Consumption Smoothing within the Paycycle
Consumption smoothing and liquidity income redistribution
Consumption smoothing and vulnerability in Russia
Consumption smoothing and the labor markets
Consumption smoothing and vulnerability in Russia
Consumption smoothing and liquidity income redistribution
Essays in household consumption : income shocks, consumption smoothing, inflation
Consumption smoothing in a balanced budget regim
Consumption Smoothing and the Welfare Cost of Uncertainty
Consumption and income smoothing
Consumption smoothing during unemployment
Consumption and income smoothing
Access to Short-term Credit and Consumption Smoothing within the Paycycle
Consumption smoothing and liquidity income redistribution
Consumption smoothing and vulnerability in Russia
Consumption smoothing and the labor markets
Consumption smoothing and vulnerability in Russia
Consumption smoothing and liquidity income redistribution
Essays in household consumption : income shocks, consumption smoothing, inflation
Consumption smoothing in a balanced budget regim
Consumption Smoothing and the Welfare Cost of Uncertainty
Consumption and income smoothing
Consumption smoothing during unemployment
Consumption and income smoothing
Access to Short-term Credit and Consumption Smoothing within the Paycycle
Consumption smoothing and liquidity income redistribution
Consumption smoothing and vulnerability in Russia
Consumption smoothing and the labor markets
Consumption smoothing and vulnerability in Russia
Consumption smoothing and liquidity income redistribution
Essays in household consumption : income shocks, consumption smoothing, inflation
Consumption smoothing in a balanced budget regim