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Financial Spillover Effects from Electronic Government Transfers: Evidence from an At-Scale Experiment in Indonesia

Author

Listed:
  • Abhijit Banerjee
  • Rema Hanna
  • Benjamin A. Olken
  • Elan Satriawan
  • Sudarno Sumarto

Abstract

In 2018, Indonesia launched a new electronic voucher system for distribution of food subsidies in randomly selected districts. Banks were assigned the goal of operating at least two remote banking agents in each village in selected districts. We find that while then new banking agents did indeed process benefit transfers—beneficiaries for both this program and other government programs were indeed able to redeem their benefits at the agents—there were no detectable impacts on any other financial services for households. We do, however, find a small increase in the number of small neighborhood shops in affected locations.

Suggested Citation

  • Abhijit Banerjee & Rema Hanna & Benjamin A. Olken & Elan Satriawan & Sudarno Sumarto, 2025. "Financial Spillover Effects from Electronic Government Transfers: Evidence from an At-Scale Experiment in Indonesia," AEA Papers and Proceedings, American Economic Association, vol. 115, pages 324-328, May.
    • Handle: RePEc:aea:apandp:v:115:y:2025:p:324-28
    DOI: 10.1257/pandp.20251059
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    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health
    • I32 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Measurement and Analysis of Poverty
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs
    • O15 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Economic Development: Human Resources; Human Development; Income Distribution; Migration
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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