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Access to Formal Banking and Household Finances: Experimental Evidence from India

Somville, Vincent; Vandewalle, Lore
Working paper
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Access to Formal Banking and Household Finances: Experimental Evidence from India (3.290Mb)
URI
http://hdl.handle.net/11250/2475385
Date
2017-02-01
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Original version
Bergen: Chr. Michelsen Institute (CMI Working Paper WP 2017:1) 28 p.  
Abstract
Access to formal banking is spreading across the world. Obtaining a bank account may transform how people manage their finances, and affect their savings and consumption. 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 keep relatively important savings on their account, but reduce their other savings by a similar amount. Their household’s overall savings and expenditures do not change. We identify several barriers that may constraint total savings.
Publisher
Chr. Michelsen Institute
Series
CMI Working Paper WP 2017:1

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