We implemented a randomized controlled trial among transnational households in the Philippines estimating impacts of a financial education treatment, a financial access treatment, and the combination of the two on financial behaviors. We test whether there are complementarities between both interventions and provide insight into the nature of constraints operating in financial services markets. We find no evidence of complementarities between the financial education and access treatments. In addition, while we find no evidence of constraints in access to formal credit and savings products, our results suggest that access constraints exist in the formal insurance market. Impacts on other financial behaviors are suggestive of the importance of information constraints in financial decision-making. These results provide guidance to designers of financial interventions in similar populations.

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跨国家庭的金融教育和金融渠道：来自菲律宾的现场实验证据

我们在菲律宾的跨国家庭中实施了一项随机对照试验，估计金融教育治疗、金融准入治疗以及两者结合对金融行为的影响。我们测试两种干预措施之间是否存在互补性，并深入了解金融服务市场中运行的约束的性质。我们没有发现金融教育和获取治疗之间存在互补性的证据。此外，虽然我们没有发现获得正规信贷和储蓄产品受到限制的证据，但我们的结果表明，正规保险市场存在获取限制。对其他财务行为的影响表明信息约束在财务决策中的重要性。