Proyecto Capital
Financial inclusion opportunities in Latin America and the Caribbean
A woman who saves is a life that changes lifes.
Publications (En breve)

This document presents the final design of our research project titled in Spanish “Ahorro, Contabilidad Mental, Ahorro por Default y Transferencias Monetarias Condicionadas”. In particular it describes our intervention, the context of our research, the hypothesis we try to test, and the theory of change. We explicitly state our main research questions and describe in detail our research methodology. We also comment on our expected results.

Published in Publications
Friday, 29 August 2014 12:31

In Short 52: Country assessment Guatemala

The Country assessment of Guatemala was prepared in order to present a summary of Conditional Cash Transfer (CCT) Programs in this country and emphasize the opportunities for linking a financial inclusion project with CCT Programs. Moreover, we summarized the situation of the financial system in Guatemala. Finally, we proposed recommendations for the current strategies.

Published in Publications

The Country assessment of El Salvador was prepared in order to present a summary of Conditional Cash Transfer (CCT) Programs in this country and emphasize the opportunities for linking a financial inclusion project with CCT Programs. Moreover, we summarized the situation of the financial system in El Salvador and we presented the technological innovations for financial inclusion. Finally, we proposed recommendations for the current strategies.

Published in Publications

This paper summarizes the Evaluation of the Pilot Program 'Promotion of Savings in JUNTOS Families'. In this document we review some of the findings extracted from two surveys (a baseline survey was carried out in July 2010 and a follow-up survey was done in July 2012) in 9 treatment districts and 19 control districts.

The results are an analysis of changes that go beyond financial variables, especially regarding the fulfillment of conditionalities by the beneficiaries of the pilot program for promoting savings among CCT recipients in Peru.

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This document summarizes the recent literature on the role of media on social behavior, with particular emphasis on content of financial inclusion. The aim is to raise awareness on the significant role that seemingly “everyday tools” may be employed proactively and positively by policymakers in order to achieve social change. Thus, the authors provide a comprehensive review of the literature on the role of different media and in particular television; whose effect on values and attitudes has reached remote communities, inducing, among other things, a reorientation of beliefs on the role of women in society toward greater autonomy.

Analyzing the specific case of soap operas in Brazil, they link this format with financial education purposes to be applied specifically in JUNTOS CCT users in Peru. 

Published in Publications

This paper summarizes the Evaluation of the Pilot Program 'Promotion of Savings in JUNTOS Families'. In this document we review some of the findings extracted from two surveys (a baseline survey was carried out in July 2010 and a follow-up survey was done in July 2012) in 9 treatment districts and 19 control districts.

The main effects of the Pilot Program were seen in the acquisition of financial knowledge, financial skills, financial attitudes and the change in financial behavior.

Published in Publications

 

It is known that the use of animations for pedagogic purposes results convenient for a better assimilation of educational contents. Between its potential effects there are the capacities to transmit more information than static graphs, to help spectators process information in an easier way, and to foment motivation within them. Nevertheless, this does not mean that animations could not be improved for educational purposes, becoming more efficient.

Thus, in this document we review some of the findings extracted from the “Al día con tus finanzas” financial education strategy´s evaluation, which uses financial animated short films to educate Banco de la Nación clients. Animations address subjects such as savings, financial savings, budgeting, and responsible use of the debit card.

Published in Publications

This document summarizes the main findings of an external evaluation that reviewed the communicationalfinancial education component of the project     "Innovations for Scaling Financial Education" (ISFE) implemented in Colombia. This project was developed between 2012 and 2013 by Proyecto Capital and the Instituto de EStudios Peruanos (Institute of Peruvian Studies), sponsored by Citi Foundation. The project aimed to develop financial capabilities in CCT users from Perú (JUNTOS Program) and Colombia (Familias en Acción Program).

The research methodology was qualitative and included a period of fieldwork during April 2013 in the two municipalities where the pilot project was implemented: Rivera (Department of Huila) and Funza (Department of Cundinamarca). A series of interviews and focus groups involving a total of 57 informants, including mothers users of the program, fathers of beneficiary households, financial facilitators, and municipal intermediaries.

Published in Publications

This study describes the design and implementation of a Randomized Controlled Trial to evaluate if relatively simple modifications to how an existing savings product was framed and labeled creates a commitment mechanism and how it affects savings accumulations and other outcomes of low-income individuals in newly formed Village Savings and Loan Associations (VSLAs) in Colombia.

The author designed and evaluated two modifications of a well-established methodology of self-help groups in Colombia called Village Savings and Loan Associations (VSLA), in order to understand if private or public commitment through the creation and salience of ‘mental savings accounts’, affects savings behavior. The results show that public commitment is very effective in increasing savings and private commitment has heterogeneous behavioral responses of treatment effects.

Published in Publications

The National Bank of Perú (Banco de la Nación – BN) is the state institution used as platform for paying the Conditional Cash Transfer (CCT) of JUNTOS. In 2012, BN designed three products to facilitate financial access to recipients of social protection programs, including users of JUNTOS CCT: non-banking correspondents, native language ATMs and planned savings products.

This strategy made it necessary to understand how well these new products might be received. An exploratory and descriptive study was therefore planned. The goal of this study was to explore the acceptance and viability of the three new financial products among women who participate in JUNTOS program. This paper, however, addresses only outcomes related to perceptions of the use of the technology involved.

This case of study used a qualitative methodology based on four focus groups, involving users of Cochas and Orcotuna, districts located in the province of Concepción, part of the Junin region

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