Five-Year Impacts of Group-Based Financial Education and Savings Promotion for Ugandan Youth

• 成果类型: Article
• 署名作者: Horn, Samantha; Jamison, Julian C.; Karlan, Dean; Zinman, Jonathan
• 署名单位: University of Chicago; University of Exeter; Northwestern University; Dartmouth College
• 刊物名称: REVIEW OF ECONOMICS AND STATISTICS
• ISSN/ISSBN: 0034-6535
• DOI: 10.1162/rest_a_01337
• 发表日期: 2026
• 关键词: interventions; banking; POOR

摘要

We experimentally evaluate group-based financial education, savings account access, or both for members of Ugandan youth groups. We measure both short- and long-run impacts with one and five-year endline household surveys. Education, but not account access, increases measured financial knowledge and trust at one year. At five years, knowledge effects essentially disappear, and trust effects weaken. However, savings and in-come increase for each treatment at both endlines, which is noteworthy given the interventions' low cost and the long time horizon of our second endline. Exploring potential mechanisms, we find evidence consistent with multiple pathways to behavior change and outcome improvement.