The Persistent Power of Behavioral Change: Long-Run Impacts of Temporary Savings Subsidies for the Poor
通过在肯尼亚农村的实地实验，发现为穷人提供临时高利率储蓄激励，在利率到期后2.5-3.5年显著提高了他们的收入和资产，且效果主要由创业增长驱动。
I use a field experiment in rural Kenya to study how temporary incentives to save impact long-run economic outcomes. Study participants randomly selected to receive large temporary interest rates on an individual bank account had significantly more income and assets 2.5–3.5 years after the interest rates expired. These changes are much larger than the short-run impacts on experimental bank account use and almost entirely driven by growth in entrepreneurship. In contrast, interest rates on joint accounts and modest cash payments did not significantly impact long-run economic outcomes.