| Título: | Under-Savers Anonymous: Evidence on Self-Help Groups and Peer Pressure as a Savings Commitment Device |
| Autores: |
Kast, Felipe Meier, Stephan Pomeranz, Dina Deborah |
| Fecha: |
2013-10-09 2012 2013-10-03 2013-10-09 |
| Publicador: | |
| Fuente: |
Ver documento |
| Tipo: | Research Paper or Report |
| Tema: | |
| Descripción: | We test the effectiveness of self-help peer groups as a commitment device for precautionary savings, through two randomized field experiments among 2,687 micro-entrepreneurs in Chile. The first experiment finds that self-help peer groups are a powerful tool to increase savings (number of deposits grows 3.5-fold and average savings balance almost doubles). Conversely, a substantially higher interest rate has no effect on most participants. A second experiment tests an alternative delivery mechanism and shows that effects of a similar size can be achieved by holding people accountable through feedback text messages, without any meetings or peer pressure. |
| Idioma: | Inglés |
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