Evaluations

Credit-building loan products (CBLs) have begun to proliferate in the U.S. marketplace, but there is little evidence on the effects of these products on consumers and lenders. IPA and RAND worked with researchers to evaluate the impacts of a CBL offered at a credit union in Missouri, both alone and...

Researchers conducted a randomized evaluation testing the impact of monthly cash transfers of $1,000 to low-income individuals in Texas and Illinois on household expenditures, debts and assets, and financial health. The study found that receiving the cash transfer increased spending by $310 per...

Researchers evaluated the impact of increased access to microcredit on the economic and social well-being of women and their families in Hyderabad, India. They found that microcredit had mixed effects on business activities and little to no effect on women’s empowerment or children’s education.

Researchers partnered with Opportunity International Savings and Loans Limited (OISL) to conduct a randomized evaluation to test the impact of high-frequency interactive voice response (IVR) calls on people’s use of mobile banking services and their financial behaviors in Ghana. People who received...

In partnership with the Government of Jharkhand, researchers conducted a randomized evaluation to study the impact of unconditional, framed cash transfers to pregnant women and lactating mothers on child health.

Researchers conducted a randomized evaluation to test disbursing microfinance loans through digital accounts on business outcomes in Uganda. Women who received their loan through a digital account experienced higher business capital and profits compared to those who received their loans via cash.

To understand the long-term effectiveness of CBT among adults, researchers evaluated the impact of a short-term CBT program and the distribution of unconditional cash transfers on the behavior of high-risk young men in Liberia. CBT reduced criminal behavior among participants both in the short run...

Researchers estimated the impact of a microcredit program, which was randomly rolled out in rural areas of Morocco. Thirteen percent of the households in treatment villages took a loan, and none in comparison villages did. Among households identified as more likely to borrow, microcredit access led...