Poverty and Migration in the Digital Age: Experimental Evidence on Mobile Banking in Bangladesh

被引：73

作者：

Lee, Jean N. ^{[1
]}

Morduch, Jonathan ^{[2
]}

Ravindran, Saravana ^{[3
]}

Abu Shonchoy ^{[4
]}

Zaman, Hassan ^{[1
]}

机构：

[1] World Bank, 1818 H St NW, Washington, DC 20433 USA

[2] NYU, Robert Wagner Grad Sch Publ Serv, 295 Lafayette St, New York, NY 10012 USA

[3] Natl Univ Singapore, Lee Kuan Yew Sch Publ Policy, 02-08 Li Ka Shing Bldg,469B Bukit Timah Rd, Singapore, Singapore

[4] Florida Int Univ, 11200 SW 8th St, Miami, FL 33199 USA

来源：

AMERICAN ECONOMIC JOURNAL-APPLIED ECONOMICS | 2021年 / 13卷 / 01期

关键词：

MONEY; INFORMATION; TECHNOLOGY; MARKETS; WELFARE; PHONES;

D O I：

10.1257/app.20190067

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

Rapid urbanization is reshaping economies and intensifying spatial inequalities. In Bangladesh, we experimentally introduced mobile banking to very poor rural households and family members who had migrated to the city, testing whether mobile technology can reduce inequality by modernizing traditional ways to transfer money. One year later, for active mobile banking users, urban-to-rural remittances increased by 26 percent of the baseline mean. Rural consumption increased by 7.5 percent, and extreme poverty fell. Rural households borrowed less, saved more, sent additional migrants, and consumed more in the lean season. Urban migrants experienced less poverty and saved more but bore costs, reporting worse health.

引用

页码：38 / 71

页数：34

共 42 条

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