Journal article
Two sides of the same rupee? Comparing demand for microcredit and microsaving in a framed field experiment in rural Pakistan
- Abstract:
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We use a field experiment to test whether saving and borrowing satisfy demand for lump-sum accumulation from regular deposits. Inspired by ROSCAs, we offer different credit and savings contracts to subjects. We find that individuals often accept both credit and saving contract across experimental waves. This behaviour can be rationalised by assuming that individuals seek lump-sum payments and struggle to hold savings. Structural estimation of this model accounts for the behaviour of 75% of pa...
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- Publication status:
- Published
- Peer review status:
- Peer reviewed
Actions
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- Files:
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(Accepted manuscript, pdf, 420.4KB)
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(Accepted manuscript, pdf, 273.7KB)
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- Publisher copy:
- 10.1111/ecoj.12512
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Authors
Funding
+ Department for International Development
More from this funder
Grant:
Improving Institutions for Pro-Poor Growth (iiG
Bibliographic Details
- Publisher:
- Wiley Publisher's website
- Journal:
- Economic Journal Journal website
- Volume:
- 128
- Issue:
- 614
- Pages:
- 2161-2190
- Publication date:
- 2017-11-21
- Acceptance date:
- 2017-01-31
- DOI:
- EISSN:
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1468-0297
- ISSN:
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0013-0133
- Source identifiers:
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686607
Item Description
- Pubs id:
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pubs:686607
- UUID:
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uuid:04fd3ee7-42e2-4e04-aa8a-48609a5d7270
- Local pid:
- pubs:686607
- Deposit date:
- 2017-03-22
Terms of use
- Copyright holder:
- Royal Economic Society
- Copyright date:
- 2017
- Notes:
- Copyright © 2017 Royal Economic Society. This is the accepted manuscript version of the article. The final version is available online from Wiley at: https://doi.org/10.1111/ecoj.12512
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