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The authors thank colleagues at the D2D Fund, Howell Jackson, Anna Lusardi, Olivia Mitchell and
Mike Orszag for beneficial discussions and for their help in conducting the research on which this
pap...
This paper presents the results of a laboratory experiment designed to investigate whether the option of a Prize Linked Savings (PLS) product alters the likelihood that subjects choose to delay paymen...
The Effect of Savings Accounts on Interpersonal Financial Relationships: Evidence from a Field Experiment in Rural Kenya
fi nancial access spillovers social insurance
2015/7/17
The welfare impact of expanding access to bank accounts depends on whether accounts crowd out pre-existing financial relationships, or whether private gains from accounts are shared within socia...
A Review of Commitment Savings Products in Developing Countries
Saving Developing Countries and Economies Financial Instruments
2015/5/13
After Michael Porter's seminal work on clusters and competitiveness published around 1990, cluster initiatives (CIs) have become a central feature of microeconomic policy around the world. CIs add a n...
Savings in Transnational Households:A Field Experiment Among Migrants from El Salvador
Migration Remittances Intrahousehold Allocation Savings Immigration Diasporas
2015/4/29
While remittance flows to developing countries are very large, it is unknown whether migrants desire more control over how remittances are used. This research uses a randomized field experiment to inv...
Does Front-Loading Taxation Increase Savings?: Evidence from Roth 401(k) Introductions
Saving Taxation Retirement
2015/4/28
Can governments increase private savings by taxing savings up front instead of in retirement? Roth 401(k) contributions are not tax-deductible in the contribution year, but withdrawals in retirement a...
Saving More to Borrow Less:Experimental Evidence from Access to Formal Savings Accounts in Chile
Saving Poverty Borrowing and Debt Chile
2015/4/28
Poverty is often characterized not only by low and unstable income, but also by heavy debt burdens. We find that reducing barriers to saving through access to free savings accounts decreases participa...
The University of Queensland cuts carbon emissions and makes big savings（图）
carbon footprint operating costs
2014/7/7
A major energy efficiency project at The University of Queensland is saving two tonnes of greenhouse gas emissions every day.
On the Allocative Performance of Rotating Savings and Credit Associations
Rotating Savings Credit Associations
2014/3/24
On the Allocative Performance of Rotating Savings and Credit Associations。
Using Insulation in China’s Buildings: Potential for Significant Energy Savings and Carbon Emission Reductions
China Building Insulation Air Pollution Energy and Coal Saving
2013/2/25
Most old residential and commercial buildings in China are not insulated or not to new standards. This is true even in regions with very cold winters or regions with very hot summers. The insulation i...
Global savings glut or global banking glut?
Savings, Investment and Foreign Capital Flows: Have Capital Markets Become More
INTERNATIONAL RELATIONS ORGANIZATIONS POLICY
2011/9/12
How mobile is capital across countries? Does the expansion of world financial markets in the 1970s and 1980s reflect a tendency towards one integrated world capital market, accessible for both industr...
Monetizing Tax Credits & Above the Line Savings Opportunities
profit tax credits receive monetary value income tax return
2011/8/23
The article explains how to profit from monetizing tax credits, an opportunity to receive monetary value for underutilized tax credits that a taxpayer would otherwise be required to apply to its incom...
Implications of the Financial Crisis on Retirement Savings and Planners
Financial Crisis Retirement Savings Planners
2011/8/20
The article presents an analysis of the repercussions of the global financial crisis in terms of financial planning, focusing on the issue of retirement income planning. It is noted that the majority ...
Inequality reversal: effects of the savings propensity and correlated returns
Inequality reversal effects savings propensity correlated returns
2010/10/20
In the last decade, a large body of literature has been developed to explain the universal features of inequality in terms of income and wealth. By now, it is established that the distributions of in...