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Banking the Unbanked? Evidence From Three Countries

Pascaline Dupas, Dean Karlan (), Jonathan Robinson and Diego Ubfal ()

No 22463, NBER Working Papers from National Bureau of Economic Research, Inc

Abstract: We experimentally test the impact of expanding access to basic bank accounts in Uganda, Malawi, and Chile. Over two years, 17 percent, 10 percent, and 3 percent of treatment individuals made five or more deposits, respectively. Average monthly deposits for them were at the 79th, 91st, and 96th percentiles of baseline savings. Survey data show no clearly discernible intention–to–treat effects on savings or any downstream outcomes. This suggests that policies merely focused on expanding access to basic accounts are unlikely to improve welfare noticeably since impacts, even if present, are likely small and diverse.

JEL-codes: C93 D14 G21 O12 O16 (search for similar items in EconPapers)
Date: 2016-07
Note: DEV LE LS
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Published as Pascaline Dupas & Dean Karlan & Jonathan Robinson & Diego Ubfal, 2018. "Banking the Unbanked? Evidence from Three Countries," American Economic Journal: Applied Economics, vol 10(2), pages 257-297.

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Journal Article: Banking the Unbanked? Evidence from Three Countries (2018) Downloads
Working Paper: Banking the Unbanked? Evidence from Three Countries (2016) Downloads
Working Paper: Banking the Unbanked? Evidence from three countries (2016) Downloads
Working Paper: Banking the Unbanked? Evidence from Three Countries (2016) Downloads
Working Paper: Banking the Unbanked? Evidence from three countries (2016) Downloads
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