Evaluations

Researchers conducted a randomized evaluation to test the impact of a financial literacy interactive voice response campaign on loan outcomes. The intervention boosted knowledge and slightly improved loan repayment, but it also raised loan demand, increasing the overall risk of default.

Researchers evaluated the impact of bank accounts that allowed mobile deposits on savings behavior in Sri Lanka. Few account holders used the service frequently, even when offered for free. Mobile-linked accounts increased savings deposits with the partner bank and formal banks more generally but...

Researchers found that both individuals with higher moral standards and individuals who were the least naïve displayed lower default rates than other groups. They also found that survey-based social capital measures did not predict loan default for these individual loans, contrary to the results...

Centering on one native Amazonian society (Tsimane’) and partnering with a Bolivian non- profit, researchers evaluated the impact of providing Tsimane’ households with lockboxes on their savings activity, consumption, and well-being. Providing lockboxes increased household financial assets but had...

In South Africa, researchers evaluated whether people have enough information to identify reliable borrowers among their peers and if they can help enforce loan repayment. They found that when given incentives, peers were not effective at screening for creditworthiness, but they were effective at...

The proliferation of mobile money across low- and middle-income countries has led to increased availability of mobile payment systems, which can potentially allow more flexible payment terms for customers. Subsidies increased the use of mechanized desludgings, while pre-paid deposit requirements had...

In Liberia and Malawi, researchers partnered with Innovations for Poverty Action, GiveDirectly, and USAID to evaluate the impact of an unconditional cash transfer and market access program on food security, spending, income, resilience to health shocks, intimate partner violence, and psychological...

In Rarieda, Kenya, researchers conducted a randomized evaluation to measure the impact of GiveDirectly’s UCT program on poor rural households’ economic and psychological well-being. Results demonstrated that the program had significant welfare-improving impacts, both economically and psychologically...