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Savings in Transnational Households: A Field Experiment among Migrants from El Salvador

  • Nava Ashraf
  • Diego Aycinena
  • Claudia Martinez
  • Dean Yang

We implemented a randomized field experiment that tested ways to stimulate savings by international migrants in their origin country. We find that migrants value and take advantage of opportunities to exert greater control over financial activities in their home countries. In partnership with a Salvadoran bank, we offered U.S.-based migrants bank accounts in El Salvador. We randomly varied migrant control over El Salvador-based savings by offering different types of accounts across treatment groups. Migrants offered the greatest degree of control accumulated the most savings at the partner bank, compared to others offered less or no control over savings. Impacts are likely to represent increases in total savings: there is no evidence that savings increases were simply reallocated from other savings mechanisms. Enhanced control over home-country savings does not affect remittances sent home by migrants.

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Paper provided by National Bureau of Economic Research, Inc in its series NBER Working Papers with number 20024.

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Date of creation: Mar 2014
Date of revision:
Publication status: published as Nava Ashraf & Diego Aycinena & Claudia Martínez A. & Dean Yang, 2015. "Savings in Transnational Households: A Field Experiment among Migrants from El Salvador," The Review of Economics and Statistics, MIT Press, vol. 2(97), pages 332-351, May.
Handle: RePEc:nbr:nberwo:20024
Note: DEV LS
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