RT Journal Article SR Electronic T1 The Effect of Promoting Savings on Informal Risk-Sharing: Experimental Evidence from Vulnerable Women in Kenya JF Journal of Human Resources JO J Hum Resour FD University of Wisconsin Press SP 0917-9077R2 DO 10.3368/jhr.55.3.0917-9077R2 A1 Dizon, Felipe A1 Gong, Erick A1 Jones, Kelly YR 2019 UL http://jhr.uwpress.org/content/early/2019/06/03/jhr.55.3.0917-9077R2.abstract AB 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.