Breaking the debt cycle in Tanzania: addressing behavioural biases and scarcity traps in MFIs and VSLAs through nudge-based interventions

Naibo, Carlotta (A.A. 2024/2025) Breaking the debt cycle in Tanzania: addressing behavioural biases and scarcity traps in MFIs and VSLAs through nudge-based interventions. Tesi di Laurea in Behavioural economics and psychology, Luiss Guido Carli, relatore Giacomo Sillari, pp. 84. [Bachelor's Degree Thesis]

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Abstract/Index

Background and literature review. Tanzania: a historical and structural view on financial institutions and savings practices. Historical background: evolution of microfinance institutions globally, with a focus on Africa. Literature review: theoretical view of microfinance. Literature review: empirical view of microfinance. Recognizing the behavioral gap. Why traditional economic approaches are inadequate. Scarcity trap and bandwidth tax. Present bias and hyperbolic discounting. Social norms and social pressure. Behavioral solutions to strengthen Tanzanian MFIs and VSLAs. The usefulness of nudges in Tanzanian MFIs and VSLAs. Commitment savings mechanisms. Experimental design to assess the nudging interventions.

References

Bibliografia: pp. 72-84.

Thesis Type: Bachelor's Degree Thesis
Institution: Luiss Guido Carli
Degree Program: Bachelor's Degree Programs > Bachelor's Degree Program in Politics: Philosophy and Economics (L-36)
Chair: Behavioural economics and psychology
Thesis Supervisor: Sillari, Giacomo
Academic Year: 2024/2025
Session: Summer
Deposited by: Alessandro Perfetti
Date Deposited: 27 Nov 2025 15:45
Last Modified: 27 Nov 2025 15:45
URI: https://tesi.luiss.it/id/eprint/44127

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