The Impact of Subsidy Delivery Method on Savings Behavior: Experimental Evidence

Abhijit Banerjee, Claudia Martinez A. and Esteban Puentes
Authors registered in the RePEc Author Service: Claudia Martínez A.

Working Papers from University of Chile, Department of Economics

Abstract: We examine the impact of offering CCT beneficiaries the choice to receive subsidies in bank accounts instead of cash. We investigate the effects on savings behavior and downstream outcomes such as assets and trust. We find, on average, no significant impact on overall savings or downstream outcomes. However, among individuals with nonpositive balances prior to the offering, we observe an increase in balances in savings accounts and in the transactional accounts in which the subsidies were initially deposited. These findings underscore the potential of using bank accounts to encourage savings, particularly for individuals with limited prior savings.

Pages: 24 pages
Date: 2023-06
New Economics Papers: this item is included in nep-exp
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Citations: View citations in EconPapers (1)

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Working Paper: The Impact of Subsidy Delivery Method on Savings Behavior: Experimental Evidence (2023)
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