Carranza, ElianaDonald, AletheiaGrosset, FlorianKaur, Supreet2023-07-132023-07-132023-07-13https://openknowledge.worldbank.org/handle/10986/39996Social and familial financial transfers are common in low-income communities and have positive social effects. To address this challenge, the authors designed and implemented a financial innovation to lower redistributive pressure among female cashew-processing workers: a blocked savings account into which gains in workers’ earnings get transferred. Take-up of the private account was substantially higher at 60 percent, compared to 14 percent for the non-private account. Being offered a private account increased workers’ attendance by 9.7 percent and earnings by 11.4 percent. The estimates imply that workers face a 9-23 percent social tax rate, and that the welfare benefits of informal redistribution may come at the cost of depressing labor supply and productivity.en-USCC BY-NC 3.0 IGOAFRICA GENDER POLICYGENDER INNOVATION LABWOMEN AND AGRICULTUREWOMEN AND PRIVATE SECTOR DEVELOPMENTWOMEN AND PROPERTY RIGHTSWOMEN AND YOUTH EMPLOYMENTWOMEN AND SOCIAL NORMSBriefWorld Bank10.1596/39996