Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/279001 
Year of Publication: 
2023
Series/Report no.: 
IZA Discussion Papers No. 16303
Publisher: 
Institute of Labor Economics (IZA), Bonn
Abstract: 
This paper studies how formal financial access affects network-based financial arrangements. We use a field experiment that granted access to a savings account to a random subset of households in 19 Nepalese villages. Exploiting a unique panel dataset that follows all bilateral informal financial transactions before and after the intervention, we show that households that were offered access to an account increased their loans and total transfers to others, independent of the treatment status of the receiver. The increase seemed to be driven by treatment households with more assets and greater financial inclusion at baseline.
Subjects: 
financial access
savings
networks
financial arrangements
JEL: 
C93
D14
G21
O16
O17
Document Type: 
Working Paper

Files in This Item:
File
Size
580.09 kB





Items in EconStor are protected by copyright, with all rights reserved, unless otherwise indicated.