TY  - RPRT
        AU  - Comola, Margherita
AU  - Prina, Silvia
        TI  - The Interplay among Savings Accounts and Network-Based Financial Arrangements: Evidence from a Field Experiment
        PY  - 2023/Jul/
        PB  - Institute of Labor Economics (IZA)
        CY  - Bonn
        T2  - IZA Discussion Paper
        IS  - 16303
        UR  - https://www.iza.org/publications/dp16303
        AB  - This paper studies how formal financial access affects network-based financial arrangements. We use a field experiment that granted access to a savings account to a random subset of households in 19 Nepalese villages. Exploiting a unique panel dataset that follows all bilateral informal financial transactions before and after the intervention, we show that households that were offered access to an account increased their loans and total transfers to others, independent of the treatment status of the receiver. The increase seemed to be driven by treatment households with more assets and greater financial inclusion at baseline.
        KW  - financial arrangements
KW  - networks
KW  - savings
KW  - financial access
        ER  -