Motivating migrants: A field experiment on financial decision-making transnational households

摘要

We randomly assigned male migrant workers in Qatar invitations to a motivational workshop aimed at improving financial habits and encouraging joint decision-making with spouses back home in India. 13-17 months later, we surveyed migrants and wives toestimate intent-to-treat impacts in their transnational households. Wives of treated migrants changed their financial practices and became more likely to seek out financial education themselves. Treated migrants and their wives became more likely to makejoint decisions on money matters. Treatment effects on financial outcomes show potential heterogeneity, with those with lower prior savings saving differentially more than those with higher prior savings.