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Impact of bank accounts on migrant s...

Karkoviata, Leonie,

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Impact of bank accounts on migrant savings and remittances: Evidence from a field experiment /

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Impact of bank accounts on migrant savings and remittances: Evidence from a field experiment // Leonie Karkoviata.
作者:	Karkoviata, Leonie,
面頁冊數:	1 electronic resource (180 pages)
附註:	Source: Dissertations Abstracts International, Volume: 71-10, Section: A.
Contained By:	Dissertations Abstracts International71-10A.
標題:	Studies. -
電子資源:	https://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3361445
ISBN:	9781109205794

Impact of bank accounts on migrant savings and remittances: Evidence from a field experiment /
Karkoviata, Leonie,

Impact of bank accounts on migrant savings and remittances: Evidence from a field experiment /Leonie Karkoviata. - 1 electronic resource (180 pages)

Source: Dissertations Abstracts International, Volume: 71-10, Section: A.

I design a randomized field experiment specifically to identify the causal effect of having a U.S. bank account on migrants' saving and remittance behavior. I find that migrants in the treatment group were 81 percent more likely to get a matricula consular and 38 percent more likely to open a U.S. bank account relative to the control group. Also, total savings rose and remittances fell as a fraction of income. The composition of savings changed as well, with the increase in savings staying in the U.S. The changes in savings and remittance behavior are especially pronounced for migrants who reported in the baseline interview that they did not have control over how remittances are spent in Mexico. Migrants in the treatment group who reported not-having control over how remittances are spent in Mexico were 61.5 percentage points more likely to open a U.S. savings account, earned $575 more, remitted 9.4 percentage points less as a fraction of income, and increased total savings 12 percentage points more as a fraction of total income, with U.S. share of savings growing at the expense of the Mexico share of savings; all these effects are significant at the 5 percent level. In contrast, for migrants in the treatment group who reported having either sole or joint control over the allocation of remittances, there is not a statistically significant treatment effect on income, remittances or U.S. savings. However, there is an increase in total savings that is half as much as for migrants in the treatment group without control. These findings suggest the following. First, the unitary model of the household does not apply to these migrant households. If it did, then merely getting a U.S. savings account should not have changed the allocation of migrant earnings among remittances, Mexican savings and U.S. savings. Second, that income increases due to the U.S. bank account, but only among subjects in the treatment group who report a lack of control over how remittances are spent in Mexico, suggests that the household is not efficient. Finally, that there is an impact on savings even among subjects in the treatment group reporting control suggests that banking the unbanked population can raise savings. This study expands our knowledge of how banking the unbanked affects savings and remittances, and additionally has important implications for how to model decision-making in migrant households.

English

ISBN: 9781109205794Subjects--Topical Terms:

3433795
Studies.
Subjects--Index Terms:

Bank accounts

Impact of bank accounts on migrant savings and remittances: Evidence from a field experiment /
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520 $a I design a randomized field experiment specifically to identify the causal effect of having a U.S. bank account on migrants' saving and remittance behavior. I find that migrants in the treatment group were 81 percent more likely to get a matricula consular and 38 percent more likely to open a U.S. bank account relative to the control group. Also, total savings rose and remittances fell as a fraction of income. The composition of savings changed as well, with the increase in savings staying in the U.S. The changes in savings and remittance behavior are especially pronounced for migrants who reported in the baseline interview that they did not have control over how remittances are spent in Mexico. Migrants in the treatment group who reported not-having control over how remittances are spent in Mexico were 61.5 percentage points more likely to open a U.S. savings account, earned $575 more, remitted 9.4 percentage points less as a fraction of income, and increased total savings 12 percentage points more as a fraction of total income, with U.S. share of savings growing at the expense of the Mexico share of savings; all these effects are significant at the 5 percent level. In contrast, for migrants in the treatment group who reported having either sole or joint control over the allocation of remittances, there is not a statistically significant treatment effect on income, remittances or U.S. savings. However, there is an increase in total savings that is half as much as for migrants in the treatment group without control. These findings suggest the following. First, the unitary model of the household does not apply to these migrant households. If it did, then merely getting a U.S. savings account should not have changed the allocation of migrant earnings among remittances, Mexican savings and U.S. savings. Second, that income increases due to the U.S. bank account, but only among subjects in the treatment group who report a lack of control over how remittances are spent in Mexico, suggests that the household is not efficient. Finally, that there is an impact on savings even among subjects in the treatment group reporting control suggests that banking the unbanked population can raise savings. This study expands our knowledge of how banking the unbanked affects savings and remittances, and additionally has important implications for how to model decision-making in migrant households.
546 $a English
590 $a School code: 0087
650 4 $a Studies. $3 3433795
650 4 $a Impact analysis. $3 3544937
650 4 $a Polls & surveys. $3 3546576
650 4 $a Population. $3 518693
650 4 $a Investments. $3 566987
650 4 $a Diplomatic & consular services. $3 3564114
650 4 $a Families & family life. $3 3422406
650 4 $a Expenditures. $3 3556049
650 4 $a Consent. $3 3560840
650 4 $a Immigration policy. $3 3561144
650 4 $a Hypotheses. $3 3560118
650 4 $a Migration. $3 899018
650 4 $a Experiments. $3 525909
650 4 $a Decision making. $3 517204
650 4 $a Women. $3 531755
650 4 $a Households. $3 579926
650 4 $a Identification documents. $3 3702934
650 4 $a Immigrants. $3 558623
650 4 $a Altruism. $3 630284
653 $a Bank accounts
653 $a Banking
653 $a Immigrants
653 $a Mexico
653 $a Remittances
653 $a Savings
690 $a 0501
710 2 $a University of Houston. $e degree granting institution. $3 3817982
720 1 $a Wilcox, Nat $e degree supervisor.
773 0 $t Dissertations Abstracts International $g 71-10A.
790 $a 0087
791 $a Ph.D.
792 $a 2009
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