世界银行-行为干预是否有助于经济包容计划的接受者更有效地利用他们的付款？加纳集群随机试验的证据（英）

SOCIAL PROTECTION AND LABOR DISCUSSION PAPERNo. 2606 | November 2025Do Behavioral Interventions Help Economic Inclusion Program Recipients Make More Productive Use of their Payments? Evidence from a Cluster-Randomized Trial in GhanaMukta JoshiWen Wen TehAriadna VargasChristabel E. DadzieSaugato DattaPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure Authorized© 2025 International Bank for Reconstruction and Development / The World Bank1818 H Street NW, Washington DC 20433 Telephone: +1 (202) 473 1000; Internet: www.worldbank.org.This work is a product of the staff of The World Bank with external contributions. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of Executive Directors, or the governments they represent.The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries.RIGHTS AND PERMISSIONSThe material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given.Any queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The World Bank Group, 1818 H Street NW, Washington, DC 20433, USA; fax: +1 (202) 522 2625; e-mail: pubrights@worldbank.org.1 Do Behavioral Interventions Help Economic Inclusion Program Recipients Make More Productive Use of their Payments? Evidence from a Cluster-Randomized Trial in Ghana 2 Abstract Cash plus programs, which combine cash transfers with complementary services and interventions, have become an increasingly popular tool for providing livelihood support and poverty alleviation in low- and middle-income countries. While there is robust evidence to indicate that cash programs provide poverty relief in the short term, the impact of cash programs on productive investment behaviors and activities is less understood. This study presents the results of a cluster randomized trial that evaluates the effects of light-touch behavioral interventions to encourage saving and entrepreneurial behaviors for low-income Ghanaians participating in a multi-faceted cash plus program focused on economic inclusion. Participants received business skills training, coaching and mentoring, and a cash grant to support the initiation and expansion of their businesses. The study incorporated a suite of behavioral interventions designed to help recipients set business-related savings goals, create plans for achieving those goals, and follow through on saving towards those goals. In addition, the desig