Millions of ultra-poor households in sub-Saharan Africa rely exclusively on savings groups
to meet their financial needs. However, the ability of savings groups to fully meet these …

Retirement planning has recently been prioritized by employees to safeguard a comfortable
retired life. The objectives of the study were to assess whether income level, economic …

Millions of households worldwide rely on savings groups (SGs) to satisfy their financial
needs, yet important gaps remain in our understanding of this novel financial institution. We …

Improving access to formal savings accounts is considered by many to be an effective
intervention to help poor households accumulate assets and smooth their consumption over …

Why do individuals borrow and save money at the same time? I present a model in which
sophisticated time-inconsistent agents, when faced with a future investment opportunity …

In this paper we perform an empirical study of the determinants of saving among middle-and
low-income individuals living in urban and rural areas of Colombia. The results show that …

Why do individuals borrow and save at the same time? This paper proposes a new
explanation in settings where savings are not secure. A sophisticated hyperbolic discounter …

Conditional economic incentives are a theoretically grounded approach for eliciting be
havior change. The rationale stems from present-biased preferences, by which individuals …

Savings-led microfinance innovation aims to improve access to financial services in remote
areas, especially among women. In the past decade, more and more researchers and …

Most poor rural women living in the rural peripheries throughout the world shoulder the
burden of the world's poverty, particularly in the Least Developed Countries, such as in sub …