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Displaying 57-64 of 326
Person works on laptop with Philippine currency and bank card

Sensitivity to Interest Rates and Account Ownership Requirements for a Commitment Savings Account in the Philippines

Dean Karlan
Jonathan Zinman
Researchers worked with First Valley Bank in the Philippines to evaluate the impact of varying the interest rate and account ownership requirements on demand for commitment savings accounts. While savings account take-up was 23 percent, neither the interest rates nor the ownership requirements...
Person accessing cash from checking account with bank card at grocery store in Chile

Delivering Conditional Cash Transfers Through Checking and Savings Accounts in Chile

Claudia Martínez Alvear
Abhijit Banerjee
Many beneficiaries of social welfare programs around the world receive benefits in cash or by check. Can distributing welfare benefits through electronic transfers directly into bank accounts help some of these low-income individuals enter the formal financial sector? Researchers are partnering with...
A woman sells fruit in Kenya

Savings Accounts for Village Micro-Entrepreneurs in Kenya

Pascaline Dupas
Jon Robinson
Researchers offered market vendors and bicycle taxi drivers in rural Kenya the opportunity to open a savings account at no cost. The formal savings accounts increased savings, productive investments, and expenditure levels among female micro-entrepreneurs, but not among males.
Three lockboxes stacked on the grass

Saving for Multiple Goals with Lockboxes in Malawi

Shilpa Aggarwal
Valentina Brailovskaya
Jon Robinson
In Malawi, researchers offered micro-entrepreneurs either single or multiple lockboxes to evaluate the impact of the boxes on savings and other business and financial outcomes. Individuals offered multiple lockboxes saved more than those offered a single lockbox, suggesting that providing lockboxes...
Woman pushing fabric through a sewing machine

Improving Rug Firm Performance through Exporting in Egypt

David Atkin
Amit Khandelwal
Adam Osman
Researchers partnered with Aid to Artisans (ATA), a US-based nonprofit, and Hamis Carpets, an Egypt-based distributor, to provide small-scale rug manufacturers the opportunity to export to high-income countries. Offering small firms the opportunity to export rugs to high-income markets increased...
A group of women sitting around another woman speaking as part of business training in India

Business Training for Women in Ahmedabad, India

Erica Field
Seema Jayachandran
Rohini Pande
Natalia Rigol
Researchers offered two days of business training and assistance in identifying a medium-term financial goal to a random sample of women of different castes and religions in India. A random sub-sample of women were invited to attend the training with a friend. Women trained with a friend doubled...
Two women sell fruits on a sidewalk in Cartagena, Colombia

Impacts of Flexible Loans on Borrower Behavior and Microenterprise Outcomes in Colombia

Lasse Brune
Xavier Giné
Dean Karlan
Researchers evaluated the impact of a flexible microloan product on new clients' repayment behavior, business outcomes, and client satisfaction. The results showed that the flexible loan led to some shifts in investment behavior but had no average impact on revenue or profits and led to higher...
Empty room with wood desks and chalkboard

Competitive School Grants to Improve Student Learning in Senegal

Pedro Carneiro
Oswald Koussihouede
Nathalie Lahire
Costas Meghir
Corina Mommaerts
Researchers partnered with the Senegalese government to evaluate the impact of a decentralized school grants program on student learning. The program improved test scores overall and for girls in younger grades. The impact was stronger in schools that invested more in human resource training rather...