松动的结节:在乌干达,有强有弱的承诺来为教育储蓄
1Kellogg School of Management at Northwestern University, Global Poverty Research Lab, NBER, CEPR, United States.
概括
儿童在较弱的承诺储蓄计划中储蓄更多,导致教育支出增加和考试成绩提高. 严格的承诺账户显示没有任何教育效益.
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
- 教育政策 教育政策
背景情况:
- 承诺装置可以限制未来的选择,但可能会减少参与.
- 基于学校的储蓄计划旨在鼓励为教育费用储蓄.
研究的目的:
- 调查储蓄计划中承诺强度对儿童教育成绩的影响.
- 为了比较乌干达教育储蓄的完全承诺账户与较弱承诺账户.
主要方法:
- 在乌干达实施了一项以学校为基础的承诺储蓄计划.
- 两个治疗手臂进行了比较:一个完全承诺的账户和一个较弱的承诺账户 (现金提取).
- 父母外展与储蓄计划相结合.
主要成果:
- 孩子们在较弱的承诺账户中储蓄更多.
- 较弱的承诺账户,加上家长外展,导致对教育用品的支出增加,并提高了测试成绩的0.10标准差.
- 完全承诺的账户和账户类型都没有对出席率,入学率或非认知技能产生影响.
结论:
- 较弱的承诺储蓄设备可能比严格的承诺储蓄设备更有效地促进教育储蓄和教育成果.
- 承诺设备的设计对于最大限度地影响财务行为和教育成就至关重要.
- 储蓄计划需要精心设计,以获得教育投资和绩效的有形改善.
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