NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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Financial Education and Access to Savings Accounts: Complements or Substitutes? Evidence from Ugandan Youth Clubs

Julian C. Jamison, Dean Karlan, Jonathan Zinman

NBER Working Paper No. 20135
Issued in May 2014

---- Acknowledgments ----

This paper is the result of independent research and does not necessarily represent the views of the Consumer Financial Protection Bureau, the United States Government, or the National Bureau of Economic Research. We thank the Financial Education Fund from DFID for funding. Institutional Review Board approval for human subjects protocols from Innovations for Poverty Action(#113.10February-006 and Yale University #1002006384. From Innovations for Poverty Action, we thank Sarah Kabay, Daniel Katz, Sana Khan, Charity Komujurizi, Matthew Lowes, Justin Loiseau, Joseph Ndumia, Doug Parkerson, Pia Raffler, Elana Safran, Marla Spivack, and Glynis Startz for research support throughout the project and analysis. We thank the Freedom from Hunger and Straight Talk team for collaboration on development of the financial education curriculum, FINCA for the provision of the bank accounts, and four dioceses of the Church of Uganda for their cooperation throughout.

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