Tag
financial_access
3 findings
Finance & microfinanceDifferential Binding Constraints Across Financial Product MarketsTake-up for offered savings accounts was only ~1 percentage point (9 total individuals) and microloans near zero (2 individuals), whereas micro-insurance take-up surged by 25.1 to 28.0 percentage points (p < 0.01).RCTFinance & microfinanceMarket Saturation and Non-Binding Constraints in Formal Savings ProductsOnly 9 out of 857 offered households (1.0–1.1 percentage point impact, p < 0.05) opened the savings account, with 46.9% of non-adopters citing pre-existing preferences for other financial establishments as the main reason.RCTFinance & microfinanceNon-Complementarity of Financial Education and AccessTake-up of financial education was 39–41 percentage points across education groups regardless of product offers (p-value for difference = 0.431), and financial product take-up showed no statistically significant difference between access-only and combined groups (p-value = 0.485 for total product take-up test T1+T2=T3).RCT