• 主题
高级搜索  >
历史搜索 清空历史
首页> 外文期刊>Journal of socio-economics >Factors affecting completion of a matched savings program: Impacts of time preference, discount rate, and financial hardship
【24h】

Factors affecting completion of a matched savings program: Impacts of time preference, discount rate, and financial hardship

机译：影响完成匹配的储蓄计划的因素：时间偏好，折扣率和财务困难的影响

获取原文
获取原文并翻译 | 示例
           
页面导航
  • 摘要
  • 著录项
  • 相似文献
  • 相关主题

摘要

There is a general consensus among researchers and policymakers that matched savings programs can significantly increase the propensity to save among low-income households. This study offers a unique contribution to the field by testing whether principals and theories from behavioral economics affect the decisions that participants make in these savings programs. Using a sample of people participating in the SaveNYC program, a matched savings program for very low-income households, we test whether information failure, time preference, and financial hardship affected people's ability to complete the program and receive the match money. We find that future orientation does not significantly impact program completion, but both information failure and financial hardship increase the hazard of early account closure. Although the pool of participants who did not receive the match was small, both information failure and financial hardship had large impacts on the risk of withdrawing the account before receiving a match. We discuss how these findings can inform program design and suggest future research.
机译：研究人员和政策制定者之间普遍达成共识，即匹配的储蓄计划可以显着提高低收入家庭储蓄的意愿。通过测试行为经济学的原理和理论是否会影响参与者在这些储蓄计划中做出的决策，本研究为该领域做出了独特的贡献。我们使用参与了SaveNYC计划的人群样本，该计划是针对低收入家庭的匹配储蓄计划，我们测试了信息故障，时间偏好和财务困难是否会影响人们完成该计划并获得匹配资金的能力。我们发现，未来的方向不会显着影响计划的完成，但是信息失败和财务困难都会增加提前关闭帐户的危险。尽管没有收到比赛的参与者池很小，但是信息失败和财务困难对收到比赛之前提取帐户的风险有很大影响。我们将讨论这些发现如何为程序设计提供信息并建议未来的研究。

著录项

相似文献

  • 外文文献
  • 中文文献
  • 专利
获取原文

客服邮箱：kefu@zhangqiaokeyan.com

京公网安备：11010802029741号 ICP备案号：京ICP备15016152号-6 六维联合信息科技 (北京) 有限公司©版权所有

  • 客服微信

  • 服务号