Why Don't the Poor Save More? Evidence from Health Savings Experiments
基于肯尼亚的实地实验，研究发现简单的非正式储蓄工具能显著增加预防性健康投资，降低健康冲击的脆弱性；仅提供安全储蓄场所就使健康储蓄增加66%。
Using data from a field experiment in Kenya, we document that providing individuals with simple informal savings technologies can substantially increase investment in preventative health and reduce vulnerability to health shocks. Simply providing a safe place to keep money was sufficient to increase health savings by 66 percent. Adding an earmarking feature was only helpful when funds were put toward emergencies, or for individuals that are frequently taxed by friends and relatives. Group-based savings and credit schemes had very large effects.