NDLI: Deposit Collectors

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Deposit Collectors

Content Provider	AgEcon Search
Author	Karlan, Dean S. Yin, Wesley Ashraf, Nava
Abstract	Informal lending and savings institutions exist around the world, and often include regular door-to-door deposit collection of cash. Some banks have adopted similar services in order to expand access to banking services in areas that lack physical branches. Using a randomized control trial, we investigate determinants of participation in a deposit collection service and evaluate the impact of offering the service for micro-savers of a rural bank in the Philippines. Of 137 individuals offered the service in the treatment group, 38 agreed to sign-up, and 20 regularly used the service. Take-up is predicted by distance to the bank (a measure of transaction costs of depositing without the service) as well as being married (a suggestion that household bargaining issues are important). Those offered the service saved 188 pesos more (which equates to about a 25% increase in savings stock) and were slightly less likely to borrow from the bank.
Related Links	https://ageconsearch.umn.edu/record/28502/files/dp050930.pdf
Page Count	28
File Format	PDF
DOI	10.22004/ag.econ.28502
Language	English
Publisher	Yale University, Economic Growth Center
Publisher Date	2005-01-01
Access Restriction	Open
Subject Keyword	Applied Economics Agricultural Economics Agri-economic Open Access Database Research in Applied Economics Research in Agricultural Economics Higher Study On Agricultural Economics Higher Study On Applied Economics Agricultural Research Documents Agrarian Economy & Research Higher Study Agri-economics Research in Economics Agri-economic Open Access Repository Statistics in Agricultural Economics Savings Behavior Microfinance Field Experiment Savings Mobilization Deposit Collector Financial Economics
Content Type	Text
Resource Type	Article
Subject	Economics, Econometrics and Finance

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