دانلود مقاله ISI انگلیسی شماره 51565
عنوان فارسی مقاله

چه کسی به شما مسائل را آموزش می دهد: شناخت اثرات ترکیبی آموزش مالی در خانوارهای مهاجر

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
51565 2014 17 صفحه PDF سفارش دهید 15316 کلمه
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
Who you train matters: Identifying combined effects of financial education on migrant households ☆
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Journal of Development Economics, Volume 109, July 2014, Pages 39–55

کلمات کلیدی
سواد مالی؛ حواله؛ مهاجرت
پیش نمایش مقاله
پیش نمایش مقاله چه کسی به شما مسائل را آموزش می دهد: شناخت اثرات ترکیبی آموزش مالی در خانوارهای مهاجر

چکیده انگلیسی

There has long been a concern among policymakers that too much of remittances are consumed and too little saved, limiting the development impact of migration. Financial literacy programs have become an increasingly popular way to try and address this issue, but to date there is no evidence that they are effective in inducing savings among remittance-receiving households, nor is it clear whether such programs are best targeted at the migrant, the remittance receiver, or both. We conducted a randomized experiment in Indonesia which allocated female migrants and their families to a control group, a migrant-only training group, a family member-only training group, and a training group in which both the migrant and a family member were trained. Three rounds of follow-up surveys are then used to measure impacts on the financial knowledge, behaviors, and remittance and savings outcomes of the remaining household. We find that training both the migrant and family member together has large and significant impacts on knowledge, behaviors, and savings. Training the family member alone has some positive, but smaller effects, while training only the migrant leads to no impacts on the remaining family members. The results show that financial education can have large effects when provided at a teachable moment, but that this impact varies greatly with who receives training.

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