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首页> 外文期刊>Journal of Economic Behavior & Organization >Directing remittances to education with soft and hard commitments: Evidence from a lab-in-the-field experiment and new product take-up among Filipino migrants in Rome
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Directing remittances to education with soft and hard commitments: Evidence from a lab-in-the-field experiment and new product take-up among Filipino migrants in Rome

机译：通过软硬承诺来指导汇款到教育：来自罗马菲律宾菲律宾移民的实地实验和新产品接收的证据

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摘要

This paper tests how migrants' willingness to remit changes when given the ability to direct remittances to educational purposes using different forms of commitment. Variants of a dictator game in a lab-in-the-field experiment with Filipino migrants in Rome are used to examine remitting behavior under varying degrees of commitment. These range from the soft commitment of simply labeling remittances as being for education, to the hard commitment of having funds directly paid to a school and the student's educational performance monitored. We find that the introduction of simple labeling for education raises remittances by more than 15%. Adding the ability to directly send this funding to the school adds only a further 2.2%. We randomly vary the information asymmetry between migrants and their most closely connected household, but find no significant change in the remittance response to these forms of commitment as information varies. Behavior in these games is then shown to be predictive of take-up of a new financial product called EduPay, designed to allow migrants to directly pay remittances to schools in the Philippines. We find this take-up is largely driven by a response to the ability to label remittances for education, rather than to the hard commitment feature of directly paying schools. (C) 2015 Elsevier B.V. All rights reserved.
机译：本文测试了当移民具有使用不同形式的承诺将汇款直接用于教育目的的能力时，其汇款意愿的变化。在罗马的菲律宾移民进行的实地实验室实验中，独裁者游戏的变体用于检查不同承诺程度下的举报行为。从简单地将汇款标记为用于教育的软承诺到直接将资金支付给学校并监控学生的教育表现的坚决承诺不等。我们发现，为教育引入简单标签可以使汇款增加15％以上。增加直接将这笔资金发送给学校的能力仅增加了2.2％。我们随机地改变了移民及其联系最紧密的家庭之间的信息不对称性，但是随着信息的变化，对这些承诺形式的汇款响应没有显着变化。这些游戏的行为随后被证明可以预测一种名为EduPay的新金融产品的使用，该产品旨在允许移民直接向菲律宾的学校支付汇款。我们发现这种接受程度很大程度上是由于对教育汇款标签能力的回应，而不是对直接付款学校的严格承诺特征的回应。 （C）2015 Elsevier B.V.保留所有权利。

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