Using new data from a field experiment in India, we test hypotheses about micropension design in a poor population. We elicit demand for the basic micropension in addition to variants with different minimum withdrawal ages, government match rates, and options for lump sum withdrawal. A majority (80%) of respondents report interest in the micropension, and the amount they are willing to contribute would be enough to cover about 40% of expected old-age consumption. We find that prospective policyholders value the inability to access the assets until a particular age. We also find that they respond positively to the government match rate.

中文翻译：

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评估印度穷人对微型养老金的需求。

利用印度现场实验的新数据，我们测试了贫困人口中微养老金设计的假设。除了具有不同的最低提款年龄，政府匹配率以及一次性提款选项之外，我们还引发了对基本微型养老金的需求。大多数（80％）的受访者表示对微型养老金感兴趣，他们愿意捐款的数额足以支付预期的老年消费的40％。我们发现，潜在的保单持有人珍视在特定年龄之前无法访问资产的能力。我们还发现他们对政府匹配率做出了积极回应。