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Researchers evaluated a secondary school readiness program, Utkarsh, that provided targeted instruction to students in Odisha, India.

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...

Researchers evaluated how microcredit clients in South Africa responded to changes in loan terms. They found that clients adapted both their demand and compliance based on loan terms, and were particularly sensitive to above-average interest rates.