储蓄以提高性:调查马里的储蓄工具
Annkathrin Wahbi1, Eike Nordmeyer1, Tim Ölkers1
1Department of Agricultural Economics and Rural Development, Georg-August-University Goettingen, Goettingen, Germany.
PloS one
|July 11, 2025
概括
金融基础设施显著影响马里农民的储蓄行为. 促进安全,可访问的储蓄机制可以增强家庭的性,并支持低收入经济体的减贫努力.
科学领域:
- 农业经济学 农业经济学
- 发展经济学 发展经济学
- 行为经济学是一种行为经济学.
背景情况:
- 贫困仍然是撒哈拉以南非洲的一个重大挑战,有35%的人口生活在贫困线以下.
- 促进家庭储蓄被视为提高性和促进扶贫发展的成本有效策略.
研究的目的:
- 分析了374名马里农民储蓄行为的决定因素.
- 调查影响储蓄决定和储蓄金额的因素,考虑不同的储蓄道 (移动支付,银行账户,秘密地方).
主要方法:
- 采用了两步选择模型,包括储蓄决策的试验模型和储蓄金额的普通最小平方回归.
- 采用了工具变量方法,以步行距离到最近的移动货币代理来解决内质性问题.
- 根据储蓄方法 (移动支付,银行账户,秘密地方) 分类的储蓄结果.
主要成果:
- 储蓄决定因素表现出相当多的异质性,供给侧因素,如基础设施质量发挥着至关重要的作用.
- 在"秘密地方"储蓄仍然很受欢迎,特别是在年轻的农民和那些没有家庭智能手机的人中.
- 有很大的潜力将非正式储蓄转移到正式账户,以获得利息增长和增强安全性.
结论:
- 改善金融基础设施和可访问性是提高小农户储蓄的关键.
- 有针对性的干预措施可以鼓励从非正式储蓄转向正式储蓄,促进金融包容性和弹性.
- 可访问和安全的储蓄机制在低收入经济体中具有减轻贫困的变革潜力.
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