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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...

Workers assisting with HIV testing program, Malawi.


The Demand for and Impact of Learning HIV Status in Malawi

Rebecca Thornton , Susan Godlonton, Nicole Angotti, Agatha Bula, Lauren Gaydosh, Sara Yeatman, Eitan Zeev Kimchi

While even very small incentives encouraged people to return for their HIV test results, rapid testing in the home had the greatest impact on program take-up. However, for most people, learning status did not substantially change their behavior.


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...

Students play educational computer game in Vadodara, India


Computer-Assisted Learning Project with Pratham in India

In Vadodora, India, researchers studied the impact of supplementing classroom instruction with computer-assisted learning (CAL) in primary schools. CAL significantly improved student’s math scores, but was less cost-effective than the remedial tutor-based program, Balsakhi.


Group versus Individual Liability in the Philippines

Dean Karlan , Xavier Giné

In this study, researchers randomly selected existing group-lending centers to convert to an individual liability model. They found no difference in repayment rates between individuals assigned individual liability and those assigned group liability, no change in overall profitability for the bank, and a reduction in voluntary savings for those removed from joint liability.