Karimli Leyla, Ssewamala Fred M, Neilands Torsten B
University of Chicago.
University of California, San Francisco.
Soc Serv Rev. 2014 Dec;88(4):658-694. doi: 10.1086/679256.
This study examines participants' savings in children's savings accounts (CSAs) set up for AIDS-orphaned children ages 10-15 in Uganda. Using a cluster randomized experimental design, we examine the extent to which families participating in a CSA program report more savings than their counterparts not participating in the program, explore the extent to which families who participate in the CSA program report using formal financial institutions compared with families who do not have a CSA, and consider whether families participating in the CSA program bring new money into the CSA or whether they reshuffle existing household assets. We find that participating in a CSA increased families' likelihood to report having saved money. However, our results show no intervention effect either on the amount of self-reported savings or on the likelihood of using formal financial institutions. Further research is needed to understand whether use of a CSA helps families generate new wealth.
本研究调查了乌干达为10至15岁艾滋病孤儿设立的儿童储蓄账户（CSA）中参与者的储蓄情况。我们采用整群随机实验设计，研究参与CSA项目的家庭比未参与该项目的家庭储蓄更多的程度，探讨参与CSA项目的家庭与没有CSA的家庭相比使用正规金融机构的程度，并考虑参与CSA项目的家庭是将新资金存入CSA还是重新配置现有家庭资产。我们发现，参与CSA增加了家庭报告有储蓄的可能性。然而，我们的结果表明，该干预措施对自我报告的储蓄金额或使用正规金融机构的可能性均无影响。需要进一步研究以了解使用CSA是否有助于家庭创造新财富。
