Evaluations

This evaluation studies the effects of flexible repayment schedules on borrowers’ investment level, consumption, and loan default in the dairy industry in India.

Researchers evaluated the effect of (a) simple text message reminders and (b) financial incentives on borrowers' loan repayment. These methods had similarly positive effects, which suggests that the text message reminders may be a more cost-effective intervention. The reminders proved particularly...

Researchers conducted a randomized evaluation with a bank in the Dominican Republic to compare the impact of two distinct programs: standard accounting training versus a simplified, rule-of-thumb training that taught basic financial heuristics.

Researchers partnered with Banco Agrícola to conduct a randomized evaluation that offered a way for Salvadoran migrants to directly channel some fraction of their remittances into savings accounts in El Salvador. Results indicate that a desire for control over remittance uses—in particular the...

Researchers evaluated the effects of a free health insurance policy and UCTs of the same value on the economic, health, and psychological outcomes of informal workers in Kenya. Participants who received health insurance self-reported reduced stress and had lower cortisol levels; UCTs led to fewer...

Researchers examined whether intra-household risk-sharing mechanisms such as financial transfers between spouses operate efficiently in Western and Nyanza Provinces of Kenya and found that intra-household insurance to protect against economic shocks was inefficient among daily income earners.

Researchers leveraged data from a randomized evaluation conducted by a large bank in Mexico to test the impact of varying credit card contract terms on loan default, card cancellation rates, and bank revenue for first-time formal sector borrowers. Variations in the interest rate and minimum payment...

Researchers tested the independent impact of two channels, social learning (when someone purchases an asset after a peer expresses a desire to purchase the same asset) and social utility (when someone feels he can gain more from an asset because his peer owns it), on financial decisions in Brazil...