More than a penny saved: Long-term changes in behavior among savings program participants


By bhadmin February 2, 2021

This article examines the levels of savings of former participants in, a matched savings program. Findings from a survey of Individual, Development Account (IDA) participants and a general low-income, population sample show that participants who successfully completed the savings program report higher household savings than both participants who left the program early and a non-participant comparison group, suggesting that successful completion of an IDA program may improve the financial dispositions and behaviors associated with longterm savings. Three predictors of saving behavior emerged: access to the financial mainstream, individual psychological disposition, and the presence of children in the household.

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