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hort-Term Impacts of Improved Access to Mobile Savings, with and without Business Training: Experimental Evidence from Tanzania

Author

Listed:
  • Gautam Bastian

    (World Bank)

  • Iacopo Bianchi

    (World Bank)

  • Markus Goldstein

    (World Bank)

  • Joao Montalvao

    (World Bank)

Abstract

This paper presents short-term results from an experiment randomizing the promotion and registration of a mobile savings account among women microentrepreneurs in Tanzania, with and without business training. Six months post-intervention, the results show that women save substantially more through the mobile account, and that the business training bolstered this effect. Women also obtain more microloans through the mobile account, an additional service provided by the product. The business training further led to an increase in the business practices of the women. We find no significant evidence that these impacts translate into greater investment, sales, and profits, but we see some evidence of increased business expansion through the creation of profitable secondary businesses, as well as improvements in women’s empowerment and subjective well-being.

Suggested Citation

  • Gautam Bastian & Iacopo Bianchi & Markus Goldstein & Joao Montalvao, 2018. "hort-Term Impacts of Improved Access to Mobile Savings, with and without Business Training: Experimental Evidence from Tanzania," Working Papers 478, Center for Global Development.
    • Handle: RePEc:cgd:wpaper:478
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    File URL: https://www.cgdev.org/publication/short-term-impacts-improved-access-mobile-savings-business-training
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    Cited by:

    1. Catia Batista & Pedro C. Vicente, 2018. "Is mobile money changing rural Africa? Evidence from a field experiment," NOVAFRICA Working Paper Series wp1805, Universidade Nova de Lisboa, Nova School of Business and Economics, NOVAFRICA.
    2. Etienne Lwamba & Shannon Shisler & Will Ridlehoover & Meital Kupfer & Nkululeko Tshabalala & Promise Nduku & Laurenz Langer & Sean Grant & Ada Sonnenfeld & Daniela Anda & John Eyers & Birte Snilstveit, 2022. "Strengthening women's empowerment and gender equality in fragile contexts towards peaceful and inclusive societies: A systematic review and meta‐analysis," Campbell Systematic Reviews, John Wiley & Sons, vol. 18(1), March.
    3. Wenxiu (Vince) Nan & Minseok Park, 2022. "Improving the resilience of SMEs in times of crisis: The impact of mobile money amid Covid‐19 in Zambia," Journal of International Development, John Wiley & Sons, Ltd., vol. 34(4), pages 697-714, May.
    4. Karlan, Dean & Horn, Samantha & Jamison, Julian C. & Zinman, Jonathan, 2020. "Does lasting behavior change require knowledge change? Evidence from savings interventions for young adults," CEPR Discussion Papers 15392, C.E.P.R. Discussion Papers.
    5. Emma Riley, 2024. "Resisting Social Pressure in the Household Using Mobile Money: Experimental Evidence on Microenterprise Investment in Uganda," American Economic Review, American Economic Association, vol. 114(5), pages 1415-1447, May.
    6. Daniel Kandie & Khan Jahirul Islam, 2022. "A new era of microfinance: The digital microcredit and its impact on poverty," Journal of International Development, John Wiley & Sons, Ltd., vol. 34(3), pages 469-492, April.
    7. Chiara, De Gasperin & Valentina, Rotondi & Luca, Stanca, 2019. "Mobile Money and the Labor Market: Evidence from Developing Countries," Working Papers 403, University of Milano-Bicocca, Department of Economics, revised Mar 2019.

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