- Abstract:
-
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...
Expand abstract - Publication status:
- Published
- Peer review status:
- Peer reviewed
- Version:
- Accepted Manuscript
- Files:
-
-
(pdf, 273.7kb)
-
(pdf, 420.4kb)
-
- Publisher copy:
- 10.1111/ecoj.12512
-
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- Grant:
- Improving Institutions for Pro-Poor Growth (iiG)
- 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:
-
1468-0297
- ISSN:
-
0013-0133
- Pubs id:
-
pubs:686607
- URN:
-
uri:04fd3ee7-42e2-4e04-aa8a-48609a5d7270
- UUID:
-
uuid:04fd3ee7-42e2-4e04-aa8a-48609a5d7270
- Local pid:
- pubs:686607
- 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
Journal article
Two sides of the same rupee? Comparing demand for microcredit and microsaving in a framed field experiment in rural Pakistan
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