Evaluations

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Search our database of 908 randomized evaluations conducted by our affiliates in 79 countries. To browse summaries of key policy recommendations from a subset of these evaluations, visit the Policy Publications tab.

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264 Results
Female street vendor in Managua, Nicaragua

Finance, Health

Extending Health Insurance to the Informal Sector Through Microfinance in Nicaragua

Erica Field, Rebecca Thornton , Laurel Hatt, Mursaleena Islam, Freddy Solis Diaz, Martha Gonzalez Monada, Anne Fitzpatrick

This evaluation measured the determinants of insurance enrollment as well as the impacts of having insurance for informal sector workers by randomly varying the costs and convenience of signing up for a government health insurance program available to formal and informal sector workers in Nicaragua. Overall, take-up of the insurance and retention rates were low, and enrolling in the program did...

Finance

Information and Social Interaction in Savings Decisions in the United States

Esther Duflo , Emmanuel Saez

This evaluation studied the influence of information and social networks on university employees' decisions to enroll in a voluntary Tax Deferred Account (TDA) retirement plan in the United States. The results indicated that an individual’s decision to participate in the TDA is affected by small changes in their environment (i.e. in their social network), and not only by receiving increased...

Finance

Marketing Effects in a Consumer Credit Market in South Africa (Pricing the Effect of Psychological "Features")

Working closely with a highly profitable consumer lender in South Africa, researchers sought to determine the effects of advertising content, price, and offer deadlines on loan take up. They found the marketing had significant effects on loan take up, but not on loan amount or default rates. Clients demonstrated the strongest responses to the non-price components of loan offers.

Finance, Labor Markets, Gender

Business Education for Microcredit Clients in Peru

Dean Karlan , Martin Valdivia

Researchers worked in Peru to measure the marginal impact of adding business training to a group lending program. The results of this study found business training slightly improved business practices, but had no impact on key business outcomes such as revenue and profit.

Woman using ATM in the Philippines

Finance, Labor Markets, Gender

Commitment Savings Products in the Philippines

Dean Karlan, Nava Ashraf , Wesley Yin

Researchers designed and implemented a commitment savings product called a SEED (Save, Earn, Enjoy Deposits) account, which restricted access to savings, thus potentially helping with either self-control or family-control issues. After one year, the commitment savings product led to increased savings and more decision making power in the household for women.

Two men with cart pulled by donkey

Agriculture, Finance

Finding Missing Markets: An Agricultural Brokerage Intervention in Kenya

Dean Karlan, Nava Ashraf , Xavier Giné

Smallholder Kenyan farmers export more crops with credit and coordination services, but incomes do not significantly improve.

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