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Research ArticleArticle

The Effect of Promoting Savings on Informal Risk-Sharing: Experimental Evidence from Vulnerable Women in Kenya

Felipe Dizon, Erick Gong and Kelly Jones
Published online before print June 07, 2019, 0917-9077R2; DOI: https://doi.org/10.3368/jhr.55.3.0917-9077R2
Felipe Dizon
Felipe Dizon is an economist at the World Bank. Erick Gong is an associate professor of economics at Middlebury College. Kelly Jones is an assistant professor of economics at American University and a senior research economist at the Institute of Women's Policy Research.
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  • For correspondence: [email protected]
Erick Gong
Felipe Dizon is an economist at the World Bank. Erick Gong is an associate professor of economics at Middlebury College. Kelly Jones is an assistant professor of economics at American University and a senior research economist at the Institute of Women's Policy Research.
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Kelly Jones
Felipe Dizon is an economist at the World Bank. Erick Gong is an associate professor of economics at Middlebury College. Kelly Jones is an assistant professor of economics at American University and a senior research economist at the Institute of Women's Policy Research.
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Abstract

An increase in savings can lead to substitution away from informal risk-sharing arrangements (IRSAs), which can reduce the capacity to manage risk. We conduct a field experiment that promoted mobile bank savings among vulnerable women in Kenya. The savings promotion increased mobile bank savings and reduced risk-sharing. However, we show that reduced risk-sharing did not reduce the capacity to manage risk. Promoting savings directly improved the ability of women to cope with negative shocks, and had no adverse spillover effects on the untreated.

JEL Codes
  • O12
  • O16
  • O17
  • D14
  • D91

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Journal of Human Resources: 58 (5)
Journal of Human Resources
Vol. 58, Issue 5
1 Sep 2023
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The Effect of Promoting Savings on Informal Risk-Sharing: Experimental Evidence from Vulnerable Women in Kenya
Felipe Dizon, Erick Gong, Kelly Jones
Journal of Human Resources Jun 2019, 0917-9077R2; DOI: 10.3368/jhr.55.3.0917-9077R2

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The Effect of Promoting Savings on Informal Risk-Sharing: Experimental Evidence from Vulnerable Women in Kenya
Felipe Dizon, Erick Gong, Kelly Jones
Journal of Human Resources Jun 2019, 0917-9077R2; DOI: 10.3368/jhr.55.3.0917-9077R2
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Keywords

  • O12
  • O16
  • O17
  • D14
  • D91
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