{"id":3101,"date":"2015-12-14T09:51:51","date_gmt":"2015-12-14T09:51:51","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=3101"},"modified":"2017-11-29T17:50:37","modified_gmt":"2017-11-29T17:50:37","slug":"mental-accounts-making-saving-money-easier-using-behavioral-data","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/mental-accounts-making-saving-money-easier-using-behavioral-data\/","title":{"rendered":"MENTAL ACCOUNTS: Making Saving Money Easier, Using Behavioral Data"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/3101?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/3101?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p>This was a thesis written for the International Masters in Entrepreneurship Microfinance at Universidad Aut\u00f3noma de Madrid, under the supervision of the Academic Director, Dr Maricruz Lacalle Calder\u00f3n and Dr Federico Estrada (Fundaci\u00f3n Capital).\u00a0 It is a valuable application of new behavioural economics.\u00a0 Setting out to understand how best to promote the accumulation of financial assets among the poor, the thesis explores the barriers created by behaviours that undermine positive attitudes to savings and deposits, and the role of different commitment mechanisms that individuals use to condition their own behavioural patterns. It examines to what degree mental accounting can improve the propensity to save among the poor, and the different ways of calling a savings account in the formal financial system can help (to propose something specific such as a savings target). The theoretical framework is applied to the case of the Mujeres Ahorradoras programme in El Salvador, a financial education programme spearheaded by Fundaci\u00f3n Capital to help women savers. A proposal is made to evaluate the relationship between financial education and mental accounting.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This was a thesis written for the International Masters in Entrepreneurship Microfinance at Universidad Aut\u00f3noma de Madrid, under the supervision of the Academic Director, Dr Maricruz Lacalle Calder\u00f3n and Dr Federico Estrada (Fundaci\u00f3n Capital).\u00a0 It is a valuable application of new behavioural economics.\u00a0 Setting out to understand how best to promote the accumulation of financial [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":9854,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[],"class_list":["post-3101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","numero-5-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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