在新加坡为女性外国家务工提供金融教育
Rashmi Barua1, Gauri Kartini Shastry2, Dean Yang3
1Jawaharlal Nehru University.
概括
新加坡为家务工人举办的金融研讨会对金融知识产生了不确定的影响. 然而,观察到对储蓄产生意想不到的负面影响,家庭财务分歧增加.
科学领域:
- 行为经济学是一种行为经济学.
- 发展经济学 发展经济学
- 金融素养研究 金融素养研究
背景情况:
- 金融素养计划对于赋予弱势群体权力至关重要.
- 新加坡的家务工人面临着独特的财务挑战.
- 了解有针对性的干预措施的影响对于政策制定至关重要.
研究的目的:
- 评估新加坡为家庭工提供金融研讨会干预措施的有效性.
- 评估基于指导的金融教育对金融知识和行为的影响.
- 调查金融研讨会计划的任何意外后果.
主要方法:
- 一个随机的实地实验是在新加坡的家务工人进行的.
- 参与者被分配到治疗组 (接受研讨会和指导) 或对照组.
- 数据收集涉及测量财务知识,行为,储蓄和家庭财务互动的调查.
主要成果:
- 金融研讨会的采用率很低,导致对知识和行为改进的不确定的结果.
- 处理分配意外导致对自我报告的储蓄产生显著的负面影响.
- 报告的家庭财务分歧增加,报告的储蓄账户减少.
结论:
- 由于参与度低,金融研讨会干预措施在改善金融知识和行为方面取得了有限的成功.
- 该计划带来了意想不到的负面影响,包括储蓄减少和家庭财务冲突增加.
- 需要进一步的研究,以了解所观察到的负面影响背后的机制,并设计更有效的金融干预措施.
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