School Banking as a Strategy for Strengthening Youth Economic Participation in Developing Countries: Lessons from YouthSave
School Banking as a Strategy for Strengthening Youth Economic Participation in Developing Countries: Lessons from YouthSave
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学校银行业务作为加强发展中国家青年经济参与的战略：YouthSave 的经验教训
DOI：
10.1007/s40609-017-0109-1
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发表时间：
2018
影响因子：
1.4
通讯作者：
Johnson L
中科院分区：
文献类型：
--
作者：
Johnson L
学校是向发展中国家的青年提供教育和保健服务的主要场所。类似的方法也可以用于金融包容性。反过来，金融包容性可以在教育和卫生方面带来积极的青年发展成果。但关键的第一步是获得资金。这项研究考察了学校如何作为金融教育和金融服务的场所，增加青年的经济参与度。四个发展中国家的研究发现，当金融机构在学校为青年提供接受金融教育、开设储蓄账户和存款的机会时，青年储蓄账户的吸纳量会增加。调查结果是，学校银行可以克服一些监管、地理和信息障碍，这些障碍限制了年轻人获得安全和负担得起的储蓄服务。被边缘化的青年，包括低收入和女性，与其他青年一样参与其中。我们的结论是，学校可以在增加青年经济参与度方面发挥重要作用，这是朝着加强经济和整体福祉迈出的积极一步。作为一种可能的暗示，以学校为基础的卫生规划可以考虑将学校的银行功能，如开设储蓄账户，整合到未来的计划设计和实施中。
Schools are the primary settings where both education and health services are delivered to youth in developing countries. A similar approach can be used for financial inclusion. Financial inclusion, in turn, can lead to positive youth development outcomes in education and health. But a critical first step is financial access. This study examines how schools can serve as the setting for financial education and financial services, increasing youth economic participation. Research in four developing countries finds an increase in youth savings account uptake when financial institutions provide opportunities at schools for youth to receive financial education, open savings accounts, and make deposits. Findings are that school banking can overcome some of the regulatory, geographic, and information barriers that limit youth access to safe and affordable savings services. Marginalized youth, including those who are low-income and females, participate as much as other youth. We conclude that schools can play an important role in increasing youth economic participation, a positive step toward economic strengthening and overall well-being. As a possible implication, school-based health programming might consider integrating school banking features, such as opening savings accounts, into future program design and implementation.
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