Financial Education Interventions Targeting Immigrants and Children of Immigrants: Results from a Randomized Control Trial.
Financial Education Interventions Targeting Immigrants and Children of Immigrants: Results from a Randomized Control Trial.
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针对移民和移民子女的金融教育干预措施：随机对照试验的结果。
DOI：
10.1111/joca.12097
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发表时间：
2016
期刊：
影响因子：
--
通讯作者：
Yoong,Joanne
中科院分区：
文献类型：
--
作者：
Barcellos,SilviaHelena;Carvalho,LeandroS;Smith,JamesP;Yoong,Joanne
我们的文件表明，在美国的移民在与他们的财务决策相关的几个方面不同于当地人。基于这些差异，我们设计了针对美国移民及其子女的新型金融教育材料，并使用随机对照试验评估了其有效性。据我们所知，这是针对这一人群的金融教育计划的第一次严格评估。与对照组相比，接受一次性教育干预的组更有可能在干预后立即正确回答金融知识问题。这种一次性干预对知识的估计影响很大，但其中大部分在六个月后消失。此外，我们发现治疗对预期的财务行为措施几乎没有影响，无论是立即还是六个月后。我们的研究结果表明，这种类型的教育材料在告知移民及其子女他们不熟悉的重要财务信息，包括与他们的移民身份有关的信息方面的有效性。然而，他们也建议，未来研究的优先事项应该是测试重复学习的机会是否可以增加金融知识的保留并导致行为改变。
We document that immigrants in the United States differ from natives in several aspects relevant for their financial decision making. Based on these differences, we designed novel financial education materials targeted at US immigrants and their children and evaluated their effectiveness using a randomized control trial. To the best of our knowledge, this is the first rigorous evaluation of financial education programs targeted at this population. Compared to a control group, the groups that received the one‐time educational intervention were more likely to correctly answer financial knowledge questions immediately after the intervention. The estimated effects of this one‐time intervention on knowledge were large, but most of them faded away after six months. Moreover, we find little effect of the treatments on intended financial behavior measures, both immediately and six months later. Our results point to the efficacy of this type of educational material in informing immigrants and their children about important financial information that they are unfamiliar with, including information related to their immigrant status. However, they also suggest that a priority for future research should be to test whether repeated opportunities for learning can increase financial knowledge retention and lead to behavior change.
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