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Search our database of 983 randomized evaluations conducted by our affiliates in 83 countries. To browse summaries of key policy recommendations from a subset of these evaluations, visit the Policy Publications tab.

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Older man and woman look at financial papers


Why Don't People Insure Late Life Consumption in the United States?

Sendhil Mullainathan , Jeffrey Brown, Jeffrey Kling, Marian Wrobel

Researchers evaluated the effect of the framing of potential investment options on people's investment in life annuities. They found that individuals were more likely to prefer an annuity when their options emphasized future consumption, rather than framing options in terms of investments.

Education, Finance

Using Radio and Video as a Means for Financial Education in Peru

Dean Karlan , Martin Valdivia, Alberto Chong

In Peru, researchers attempted to evaluate the impact of a technology-based financial literacy program on microcredit clients’ financial behavior. Low implementation levels led to a discontinuation of the evaluation.

A surveyor adds up the numbers in Nairobi, Kenya


The Role of Mobile Banking in Expanding Trade Credit and Business Development in Kenya

Tavneet Suri, William Jack , Chris Woodruff

In Kenya, researchers are evaluating the impact of a new method of extending trade credit facilitated by mobile banking and inventory management technologies on small business development.

Woman counts money in register


The Impact of Computer-Generated Credit Scoring on Lending in Colombia

Antoinette Schoar , Daniel Paravisini

Researchers used a randomized evaluation to measure the impact of introducing computer-generated credit scores on lending to micro and small enterprises in Colombia. The program significantly increased productivity in the loan approval process and improved allocation of credit without affecting average loan amounts and default rates.


Reminder Messaging and Peer Support for Debt Reduction in the United States

In an ongoing study, researchers are evaluating the effect of peer support and text message reminders on financial outcomes of individuals enrolled in a debt management program in the United States.

People talk to bank tellers

Finance, Gender

Transaction Costs, Bargaining Power, and Savings Account Use in Kenya

The transaction costs associated with opening, maintaining, and withdrawing funds may be a barrier to using formal savings accounts for low-income individuals. Couples in Western Kenya were offered the opportunity to open individual or joint bank accounts, and a subsample of accounts were randomly selected to come with a free ATM card. Results show that providing ATM cards significantly increased...