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    • 06. Documentos de trabajo
    • 6.1 Documentos de trabajo en investigación socioeconómica
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    Savings Groups Reduce Vulberability but have Mixed Effect on Financial Inclusion

    Resumo
    This 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.
    Assunto
    Banca de desarrollo | Economía | Familia | Finanzas | Investigación socioeconómica | Pobreza | Sector financiero | Inclusión Financiera
     
    País / Región
    América Latina y el Caribe
    Perú
     
    URI
    https://scioteca.caf.com/handle/123456789/1678
    Data
    2021-01-08
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    Autor
    Frisancho, Veronica
    Valdivia, Martin
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