Department of Economics, UC Merced
5200 North Lake Road
Merced CA 95343
Institutional Affiliation: University of California at Merced
Information about this author at RePEc
NBER Working Papers and Publications
|December 2018||Can Mobile-Linked Bank Accounts Bolster Savings? Evidence from a Randomized Controlled Trial in Sri Lanka|
with Suresh De Mel, Craig McIntosh, Christopher Woodruff: w25354
In developing economies, mobile-linked services have the potential to significantly reduce transaction costs and provide a truly new conduit that could be used to facilitate the flow of savings into banks. We test this premise by introducing a product that permits Sri Lankan households to deposit mobile airtime balances into a formal bank using a new mobile money interface. Using high frequency panel survey data and randomizing access and prices at the individual level, we find that there are moderate percentage increases in savings deposits with the partner institution and formal banks more generally, but no change in overall savings deposits. When the transaction costs are completely removed, only 26 percent of those offered the service use it, and 7 percent use it frequently. Overall, o...
|August 2013||Bridging Education Gender Gaps in Developing Countries: The Role of Female Teachers|
with Karthik Muralidharan: w19341
Recruiting female teachers is frequently suggested as a policy option for improving girls' education outcomes in developing countries, but there is surprisingly little evidence on the effectiveness of such a policy. We study gender gaps in learning outcomes, and the effectiveness of female teachers in reducing these gaps using a large, representative, annual panel data set on learning outcomes in rural public schools in the Indian state of Andhra Pradesh. We report six main results in this paper. (1) We find a small but significant negative trend in girls' test scores in both math (0.02σ/year) and language (0.01σ/year) as they progress through the public primary school system; (2) Using five years of panel data, school-grade and student gender by grade fixed effects, we find that both male...
Published: Karthik Muralidharan & Ketki Sheth, 2016. "Bridging Education Gender Gaps in Developing Countries: The Role of Female Teachers," Journal of Human Resources, University of Wisconsin Press, vol. 51(2), pages 269-297. citation courtesy of