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Savings Groups Reduce Vulberability but have Mixed Effect on Financial Inclusion

dc.contributor.authorFrisancho, Veronica
dc.contributor.authorValdivia, Martin
dc.coverage.spatialAmérica Latina y el Caribees_ES
dc.coverage.spatialPerúes_ES
dc.date.accessioned2021-01-08T20:55:26Z
dc.date.available2021-01-08T20:55:26Z
dc.date.issued2021-01-08
dc.identifier.citationFrisancho, V., & Valdivia, M. (2021, January 8). Savings Groups Reduce Vulberability but have Mixed Effect on Financial Inclusion. Caracas: CAF. Retrieved from https://scioteca.caf.com/handle/123456789/1678en_GB
dc.identifier.urihttps://scioteca.caf.com/handle/123456789/1678
dc.description.tableofcontentsThis paper evaluates the impact of the introduction of savings groups on poverty, vulnerability, and financial inclusion outcomes in rural Peru. Using a cluster randomized control trial and relying on both survey and administrative records, we investigate the impact of savings groups over a two year period. We find that savings groups channel expensive investments such as housing improvements and reduce households’ vulnerability to idiosyncratic shocks, particularly among households in poorer districts. The treatment also induces changes in households’ labor allocation choices: access to savings groups increases female labor market participation and, in poorer areas, it fosters greater specialization in agricultural activities. Access to savings groups also leads to a four-percentage point increase in access to credit among women, mainly driven by access to the group’s loans. However, the introduction of savings groups has no impact on the likelihood to use formal financial services. On the contrary, it discourages access to loans from formal financial institutions and microfinance lenders among the unbanked.es_ES
dc.language.isoenes_ES
dc.publisherCAFes_ES
dc.subjectBanca de desarrolloes_ES
dc.subjectEconomíaes_ES
dc.subjectFamiliaes_ES
dc.subjectFinanzases_ES
dc.subjectInvestigación socioeconómicaes_ES
dc.subjectPobrezaes_ES
dc.subjectSector financieroes_ES
dc.titleSavings Groups Reduce Vulberability but have Mixed Effect on Financial Inclusiones_ES
dc.typeworkingPaperes_ES
dc.publisher.cityCaracases_ES


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