On My Own: Boosting Financial Literacy Among Disadvantaged Youth in Peru
通过随机对照试验评估在线异步金融教育项目对秘鲁贫困奖学金获得者金融知识、能力、态度和行为的影响，发现该项目参与率高且效果显著。
ABSTRACT Young adults can greatly benefit from financial education because they are starting to earn money and manage their personal finances. We use a randomised control trial to estimate the impacts of #PorMiCuenta (#OnMyOwn), an online asynchronous edutainment‐based financial education program, on financial literacy among poor post‐secondary scholarship recipients. We find this program has a large take‐up (74%) and it improves financial knowledge (by 19.7 percentage points (p.p.)), abilities (22.8 p.p.), attitudes (23.7 p.p.), and behaviour (16.5 p.p.). Our findings suggest this type of financial education approach can be very effective and useful for targeting disadvantaged young adults.