Jessica Goldberg
University of Maryland, USA
I am pleased to participate in a project that makes the latest academic research
available to policymakers and others. I hope that World of Labor will play a role in
promoting evidence-based policy making
IZA World of Labor role
Author
Current position
Assistant Professor of Economics, University of Maryland, USA
Research interest
Development, labor
Past positions
Post Doctoral Fellow, Center for Global Development, USA (August 2011–June 2012)
Qualifications
PhD Economics and Public Policy, University of Michigan, 2011
Selected publications
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“Credit market consequences of improved personal identification: Field experimental evidence from Malawi.” American Economic Review (October 2012) (with X. Giné and D. Yang).
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“The effects of education on labour market outcomes.” In: Fiske, E., and H. Ladd (eds). Handbook of Education Finance and Policy. Abingdon: Routledge, 2008 (with J. Smith).
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Products and policies to promote saving in developing countries
Combine behavioral insights with good products to increase formal savings in developing countries
Jessica Goldberg, October 2014Poor people in developing countries can benefit from saving to take advantage of profitable investment opportunities, to smooth consumption when income is uneven and unpredictable, and to insure against emergencies. Despite the benefits of saving, only 41% of adults in developing countries have formal bank accounts, and many who do rarely use their accounts. Improving the design and marketing of financial products has the potential to increase savings among this population.MoreLess