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首页> 外文期刊>Journal of Development Economics >Decentralized delivery of financial education: Experimental evidence from Rwanda
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Decentralized delivery of financial education: Experimental evidence from Rwanda

机译：权力下放的财务教育：来自卢旺达的实验证据

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摘要

We implement a large-scale field experiment with 200 Savings and Credit Cooperative Associations (SACCOs) in Rwanda, and test competing models of local financial education delivery. One-third of SACCOs were invited to a comprehensive training-of-trainers (TOT) workshop and stipulated to send the SACCO manager, a loan officer, and a community board member to be trained. Another one-third were allowed free selection of trainers, which resulted in greater community representation and lower loan officer involvement a the TOT and higher attendance rates at the beneficiary trainings. We find no improvements in financial practices or behavior among the fixed selection group, but statistically significant and larger improvements in financial planning, rules of thumb, and savings deposits among the autonomous selection group. Qualitative fieldwork to understand mechanisms underscores the importance of community-led delivery of the financial education program.
机译：我们在卢旺达实施了200个储蓄和信用合作社（SACCOS）的大规模场实验，并测试了当地财务教育交付的竞争模式。 邀请三分之一的Saccos参加全面的培训师（TOT）研讨会，并规定发送SACCO经理，贷款人员和待培训的社区委员会成员。 另一个三分之一被允许自由选择培训师，导致更大的社区代表性和较低的贷款人员参与受益人培训的TOT和更高的出勤率。 我们发现固定选拔集团的财务实践或行为中没有改善，但在自治选择组中的财务规划，拇指规则和储蓄存款的统计上显着和更大的改进。 理解机制的定性实地威胁强调了社区主导的财务教育计划的重要性。

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