As informative as they are, existing studies on saving, incentives, and institutional theory are not free
from limitations. Research focuses mainly on asset building for adults. However, there are at least
three key differences between adult- and child-oriented programs. First and most obvious, the
beneficiary is different. Second, adult programs tend to have shorter-term saving goals (e.g.,
homeownership or business start-up) compared to longer-term goals in programs for children (e.g.,
higher education).
As informative as they are, existing studies on saving, incentives, and institutional theory are not freefrom limitations. Research focuses mainly on asset building for adults. However, there are at leastthree key differences between adult- and child-oriented programs. First and most obvious, thebeneficiary is different. Second, adult programs tend to have shorter-term saving goals (e.g.,homeownership or business start-up) compared to longer-term goals in programs for children (e.g.,higher education).
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