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 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.

Workers with criminal records face substantially lower chances of securing employment compared to similar workers without such records. Researchers evaluated the effectiveness of different approaches, including wage subsidies, crime and safety insurance, past performance reviews, criminal record...

The City of Chelsea implemented a cash transfer program called Chelsea Eats, which provided eligible households with up to US$400 per month for nine months. Researchers conducted a randomized evaluation on the impact of the unconditional cash transfer on health care utilization and a variety of...

Researchers evaluated the impact of gender-based discrimination on female teleworkers’ productivity in online sales interactions with customers in Africa. When a customer chat representative had a female-sounding name, it led to significantly fewer purchases, and slower and more reserved reactions...

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...