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Claudio Ferraz: Discussion claudia martínez

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This presentation is part of the programme of the International Seminar "Social Protection, Entrepreneurship and Labour Market Activation: Evidence for Better Policies", organized by the International Policy Centre for Inclusive Growth (IPC-IG/UNDP) together with Canada’s International Development Research Centre (IDRC) and the Colombian Think Tank Fedesarrollo held on September 10-11 at the Ipea Auditorium in Brasilia.




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Claudio Ferraz: Discussion claudia martínez

  1. 1. Discussion of “Delivering CCTs through Banks and Financial Educa:on” by Claudio Mar?nez Claudio Ferraz PUC-­‐Rio, BREAD, JPAL Brasília, September 2014
  2. 2. CCTs and Bank Accounts § Why do poor households don’t have bank accounts? § If access to banks is limited, take up would be very high § Why is take-up only 55%? § Expected results on saving would be small no? § Access to banks through access to credit might be more important than access to savings technologies given limited amount of resources
  3. 3. Financial education § Low acceptance rates § Almost no effects on debt and interest rate § They didn’t understand the lessons or it does not matter for their behavior? § Important to understand where is the constrain to better management, maybe it is not in financial management but rather in the use of technologies

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