{"id":"https://openalex.org/W3122994775","doi":"https://doi.org/10.3386/w17255","title":"Why Don't the Poor Save More? Evidence from Health Savings Experiments","display_name":"Why Don't the Poor Save More? Evidence from Health Savings Experiments","publication_year":2011,"publication_date":"2011-07-01","ids":{"openalex":"https://openalex.org/W3122994775","doi":"https://doi.org/10.3386/w17255","mag":"3122994775"},"language":"en","primary_location":{"id":"doi:10.3386/w17255","doi":"https://doi.org/10.3386/w17255","is_oa":true,"landing_page_url":"https://doi.org/10.3386/w17255","pdf_url":"https://doi.org/10.3386/w17255","source":{"id":"https://openalex.org/S2809516038","display_name":"National Bureau of Economic Research","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":["https://openalex.org/P4322614461"],"host_organization_lineage_names":["National Bureau of Economic Research"],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"National Bureau of Economic Research","raw_type":"report"},"volume":null,"type":"report","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.3386/w17255","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5050114511","display_name":"Pascaline Dupas Y","orcid":"https://orcid.org/0000-0003-0140-9417","observed_orcids":["https://orcid.org/0000-0003-0140-9417"]},"institutions":[{"id":"https://openalex.org/I1321305853","display_name":"National Bureau of Economic Research","ror":"https://ror.org/04grmx538","country_code":"US","type":"nonprofit","lineage":["https://openalex.org/I1321305853"]},{"id":"https://openalex.org/I185103710","display_name":"University of California, Santa Cruz","ror":"https://ror.org/03s65by71","country_code":"US","type":"education","lineage":["https://openalex.org/I185103710"]},{"id":"https://openalex.org/I97018004","display_name":"Stanford University","ror":"https://ror.org/00f54p054","country_code":"US","type":"education","lineage":["https://openalex.org/I97018004"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Pascaline Dupas","raw_affiliation_strings":["Department of Economics Stanford University 579 Serra Mall Stanford, CA 94305-6072 and","Department of Economics University of California, Santa Cruz 457 Engineering 2 Santa Cruz, CA 95064","NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Economics Stanford University 579 Serra Mall Stanford, CA 94305-6072 and","institution_ids":["https://openalex.org/I97018004"]},{"raw_affiliation_string":"Department of Economics University of California, Santa Cruz 457 Engineering 2 Santa Cruz, CA 95064","institution_ids":["https://openalex.org/I185103710"]},{"raw_affiliation_string":"NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","institution_ids":["https://openalex.org/I1321305853"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5084018042","display_name":"Jonathan Robinson","orcid":"https://orcid.org/0000-0002-4862-204X","observed_orcids":["https://orcid.org/0000-0002-4862-204X"]},"institutions":[{"id":"https://openalex.org/I1321305853","display_name":"National Bureau of Economic Research","ror":"https://ror.org/04grmx538","country_code":"US","type":"nonprofit","lineage":["https://openalex.org/I1321305853"]},{"id":"https://openalex.org/I185103710","display_name":"University of California, Santa Cruz","ror":"https://ror.org/03s65by71","country_code":"US","type":"education","lineage":["https://openalex.org/I185103710"]},{"id":"https://openalex.org/I97018004","display_name":"Stanford University","ror":"https://ror.org/00f54p054","country_code":"US","type":"education","lineage":["https://openalex.org/I97018004"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Jonathan Robinson","raw_affiliation_strings":["Department of Economics University of California, Santa Cruz 457 Engineering 2 Santa Cruz, CA 95064","Department of Economics Stanford University 579 Serra Mall Stanford, CA 94305-6072 and","NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Economics University of California, Santa Cruz 457 Engineering 2 Santa Cruz, CA 95064","institution_ids":["https://openalex.org/I185103710"]},{"raw_affiliation_string":"Department of Economics Stanford University 579 Serra Mall Stanford, CA 94305-6072 and","institution_ids":["https://openalex.org/I97018004"]},{"raw_affiliation_string":"NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138","institution_ids":["https://openalex.org/I1321305853"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":["https://openalex.org/A5050114511"],"corresponding_institution_ids":["https://openalex.org/I1321305853","https://openalex.org/I185103710","https://openalex.org/I97018004"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":44,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.5698000192642212,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.5698000192642212,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.2971000075340271,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":0.08179999887943268,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/health-savings","display_name":"health savings","score":0.9229999780654907},{"id":"https://openalex.org/keywords/informal-savings","display_name":"informal savings","score":0.7179999947547913},{"id":"https://openalex.org/keywords/mental-accounting","display_name":"mental accounting","score":0.9449999928474426},{"id":"https://openalex.org/keywords/rotating-savings-and-credit-associations","display_name":"rotating savings and credit associations","score":0.7070000171661377},{"id":"https://openalex.org/keywords/social-pressure","display_name":"social pressure","score":0.6159999966621399},{"id":"https://openalex.org/keywords/health-shocks","display_name":"health shocks","score":0.6480000019073486},{"id":"https://openalex.org/keywords/health-investment","display_name":"health investment","score":0.3540000021457672},{"id":"https://openalex.org/keywords/liquidity-constraints","display_name":"liquidity constraints","score":0.5929999947547913},{"id":"https://openalex.org/keywords/poverty","display_name":"poverty","score":0.5609999895095825},{"id":"https://openalex.org/keywords/kenya","display_name":"Kenya","score":0.5370000004768372}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3335025906562805}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.3386/w17255","doi":"https://doi.org/10.3386/w17255","is_oa":true,"landing_page_url":"https://doi.org/10.3386/w17255","pdf_url":"https://doi.org/10.3386/w17255","source":{"id":"https://openalex.org/S2809516038","display_name":"National Bureau of Economic Research","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":["https://openalex.org/P4322614461"],"host_organization_lineage_names":["National Bureau of Economic Research"],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"National Bureau of Economic Research","raw_type":"report"}],"best_oa_location":{"id":"doi:10.3386/w17255","doi":"https://doi.org/10.3386/w17255","is_oa":true,"landing_page_url":"https://doi.org/10.3386/w17255","pdf_url":"https://doi.org/10.3386/w17255","source":{"id":"https://openalex.org/S2809516038","display_name":"National Bureau of Economic Research","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":["https://openalex.org/P4322614461"],"host_organization_lineage_names":["National Bureau of Economic Research"],"type":"repository"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"National Bureau of Economic Research","raw_type":"report"},"sustainable_development_goals":[{"score":0.8928999900817871,"display_name":"No poverty","id":"https://metadata.un.org/sdg/1"},{"score":0.5683000087738037,"display_name":"Good health and well-being","id":"https://metadata.un.org/sdg/3"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W3122994775.pdf","grobid_xml":"https://content.openalex.org/works/W3122994775.grobid-xml"},"referenced_works_count":43,"referenced_works":["https://openalex.org/W100896659","https://openalex.org/W1484712988","https://openalex.org/W1489307190","https://openalex.org/W1516005115","https://openalex.org/W1540286834","https://openalex.org/W1547848931","https://openalex.org/W1559786486","https://openalex.org/W1576857787","https://openalex.org/W1580735066","https://openalex.org/W1607470849","https://openalex.org/W2017669401","https://openalex.org/W2023591708","https://openalex.org/W2026559010","https://openalex.org/W2026723594","https://openalex.org/W2028605648","https://openalex.org/W2078560190","https://openalex.org/W2096587360","https://openalex.org/W2100151099","https://openalex.org/W2100588803","https://openalex.org/W2102441157","https://openalex.org/W2102647279","https://openalex.org/W2108946685","https://openalex.org/W2111631640","https://openalex.org/W2126284673","https://openalex.org/W2149812980","https://openalex.org/W2150119583","https://openalex.org/W2164200301","https://openalex.org/W2167866902","https://openalex.org/W2268449427","https://openalex.org/W2288915191","https://openalex.org/W2889972331","https://openalex.org/W2890497729","https://openalex.org/W3121743973","https://openalex.org/W3122028482","https://openalex.org/W3122145464","https://openalex.org/W3122969213","https://openalex.org/W3123192902","https://openalex.org/W3123706933","https://openalex.org/W3124429012","https://openalex.org/W3125835784","https://openalex.org/W4301771399","https://openalex.org/W6636150232","https://openalex.org/W6674862749"],"related_works":["https://openalex.org/W3124881529","https://openalex.org/W7098664215","https://openalex.org/W4225303457","https://openalex.org/W7220476064","https://openalex.org/W7046610046","https://openalex.org/W7099449704","https://openalex.org/W4285288841","https://openalex.org/W2886771000","https://openalex.org/W7029003383","https://openalex.org/W2463350878"],"abstract_inverted_index":{"Using":[0],"data":[1],"from":[2],"a":[3,32,45,85],"field":[4],"experiment":[5],"in":[6,22],"Kenya,":[7],"we":[8],"document":[9],"that":[10],"providing":[11,31],"individuals":[12],"with":[13],"simple":[14],"informal":[15],"savings":[16,66,87],"technologies":[17],"can":[18],"substantially":[19],"increase":[20,41],"investment":[21],"preventative":[23,63],"health":[24,29,42,64],"and":[25,82],"reduce":[26],"vulnerability":[27],"to":[28,35,40],"shocks.Simply":[30],"safe":[33],"place":[34],"keep":[36],"money":[37,76],"was":[38,52,77],"sufficient":[39],"savings,":[43],"through":[44,84],"mental":[46],"accounting":[47],"effect.Adding":[48],"an":[49],"earmarking":[50,61],"feature":[51],"only":[53],"helpful":[54],"when":[55],"funds":[56],"were":[57],"put":[58],"towards":[59],"emergencies;":[60],"for":[62],"reduced":[65],"on":[67],"average,":[68],"because":[69],"the":[70],"liquidity":[71],"cost":[72],"of":[73],"tying":[74],"up":[75],"too":[78],"great.Providing":[79],"social":[80],"pressure":[81],"credit":[83],"ROSCA-based":[86],"scheme":[88],"had":[89],"very":[90],"large":[91],"effects.":[92]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":1},{"year":2020,"cited_by_count":2},{"year":2019,"cited_by_count":1},{"year":2017,"cited_by_count":2},{"year":2016,"cited_by_count":4},{"year":2015,"cited_by_count":2},{"year":2014,"cited_by_count":5},{"year":2013,"cited_by_count":7},{"year":2012,"cited_by_count":10}],"updated_date":"2026-10-30T12:39:25.321706","created_date":"2021-02-01T00:00:00"}