Examining individualized feedback on financial behavior of small entrepreneurs in Uganda

发展中国家的小企业家在财务行为上存在着相当大的缺陷，这阻碍了他们的发展。因此，已经进行了干预，以改善金融教育，并最终改善金融行为。这些干预措施的平均效果很小。然而，有研究不足的起点，以提高效率，如依赖于一个可教的时刻或使用提醒。根据这些想法，我们研究了两种金融教育的随机对照试验设计。在乌干达小企业家项目的第一轮调查中，我们为他们提供了关于他们过去财务行为的个性化反馈，以使他们意识到缺点（可教时刻），同时提供具体的解决方案。我们研究这些干预措施的有效性，在以后的调查波。在此基础上，我们还测试了提供重复反馈的效果。

Small entrepreneurs in developing countries have considerable shortcomings in their financial behavior which hinder their advancement. Thus interventions have been conducted in order to improve financial education and, in the end, financial behavior. The average effect of such interventions is small. However, there are underresearched starting points for improving effectiveness, such as the reliance on a teachable moment or the use of reminders. Following these ideas, we examine two kinds of financial education in a RCT-design. In the first survey wave of the project among small entrepreneurs in Uganda we provide them an individualized feedback on their past financial behavior in order to generate their awareness of shortcomings (teachable moment) and offering concrete solutions at the same time. We examine the effectiveness of these interventions in later survey waves. Building on this we also test the effect of offering repeated feedback.