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dc.contributor.authorCallen, Michael
dc.contributor.authorDe Mel, Suresh
dc.contributor.authorMcIntosh, Craig
dc.contributor.authorWoodruff, Christopher
dc.date.accessioned2020-11-19T16:37:34Z
dc.date.issued2014-12
dc.identifier.citationCallen, Michael, Suresh De Mel, Craig McIntosh, and Christopher Woodruff. “What Are The Headwaters of Formal Savings? Experimental Evidence from Sri Lanka.” CID Working Paper Series 2014.289, Harvard University, Cambridge, MA, December 2014.en_US
dc.identifier.urihttps://nrs.harvard.edu/URN-3:HUL.INSTREPOS:37366318*
dc.description.abstractWhen households increase their deposits in formal bank savings accounts, what is the source of the money? We combine high-frequency surveys with an experiment in which a Sri Lankan bank used mobile Point-of-Service (POS) terminals to collect deposits directly from households each week. In this context, the headwaters of formal savings are to be found in sacrificed leisure time: households work more, and work more on the wage market when savings options improve. These results suggest that the labor allocation channel is an important mechanism linking savings opportunities to income.en_US
dc.language.isoen_USen_US
dc.publisherCenter for International Development at Harvard Universityen_US
dc.relation.isversionofhttps://www.hks.harvard.edu/centers/cid/publicationsen_US
dash.licenseLAA
dc.titleWhat are the Headwaters of Formal Savings? Experimental Evidence from Sri Lankaen_US
dc.typeResearch Paper or Reporten_US
dc.description.versionAccepted Manuscripten_US
dc.relation.journalCID Working Paper Seriesen_US
dc.date.available2020-11-19T16:37:34Z
dash.contributor.affiliatedCallen, Michael


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